conversation: User (thediz1396): "Back in June I had to go to the ER for a bartholin cyst removal. The bill was about $7000. Due to it being a county hospital and not having any form of health insurance I qualified for some financial assistance and the bill was lowered to $3000 without me even asking for it. However $3,000 is still more than I can afford to pay. I'm already tight on finances without adding another monthly payment or wiping out my savings. Since I already got assistance how do I/can I negotiate a low monthly payment or settlement?\n\nThanks personal finance! \n "
  Self: "Most hospitals have charity care. There’s an application and then you send them 5million pages of copies of every bill and expense the past 3 months, if they accept it they will completely forgive the debt. I had a $1k medical bill and went through the process (took me a while to get everything together) and they approved me. "
  rileyharp88 (rileyharp88): "I second this. I had a family member go to the ER for an emergency appendectomy and had no insurance. She filled out paperwork and was completely forgiven due to her current circumstance. "
  