Step 6:

Once the true “Patient Responsibility” has been confirmed, explore your payment options. Most physicians and hospitals accept installment plan without charging interest. Instead of putting the balance on your credit card, take advantage of zero interest installment plans. If you simply cannot afford what you owe, inform the physicians/hospital of financial hardship, with proof. They may be willing to give you a discount. Note that without Proof of Financial Hardship, it may be illegal for physicians and hospital to waive or discount your financial responsibility if your insurance company has already paid for part of the claim.