Just thought I throw this out there. Whatever you decide to do you should always ask the hospital for an itemized receipt of services. Depending on the hospital if it’s a public hospital they normally have zero percent interest payments if you are struggling to make payments and even reduction of cost from the services providing depending on income level. What people don’t understand is that in some states your state income taxes go to helping pay medical bills for people under a certain income. This is why I am always preaching Medicaid for all. You are already paying for it.