I agree with Bobert--talk to the hospital and see what kind of deal you can cut. The trouble with all of this insurance/no insurance health care is that no one really knows how much anything costs. The hospital gouges the insurance companies hoping to cover the uninsured they have on their books, and your 20% is of a gouged price, or that's my guess. The amount the insurance company actually pays the hospital is much lower than the hospital asked for, so you need to figure out what numbers are really in play and go from there.

Good luck. Getting well in this day and age means not only surviving the medical treatment but also walking the minefield of hospital billing departments. And bills seem to trickle in from all sorts of directions.

SRS