<prompt> Human: I have reconstructive surgery on my nose, due to an accident, scheduled for Monday. Despite my proactive efforts to avoid financial surprise, I just got a voice mail that I need to bring 3300 with me Monday morning before the surgery charges from the surgery center that my insurance doesnt cover, I am finding out. Assuming 1 they dont cancel the surgery when I dont pay Monday, and 2 I cant get the amount covered from an additional fund my employer offers, is it ok to just start sending them X dollars a month ? I would rather not touch my 401k for this with the severe penalty. Thanks.  <response>: Id recommend asking if they offer a payment plan.I just had a screw put in my foot because of an accident. No way I could pay the bill when it came. I called them and the hospital put me on a 2 year, no interest payment plan.I changed it so the amount of money I need per month is deposited into my HSA account and pay from there. Saves some money since it cones out of my pay pre-tax. 