<prompt> Human: Quick context. Im 27 years old and I had to have an emergency appendectomy plus a separate operation around my large intestine. Surgery went well and made a 100 full recovery. However, the bills I have received are substantial to say the least. I have around six bills sitting at my desk right now each from the different hospital functions, the largest bill coming from the Hospital itself for 40,000. Surgeon bill, anesthesia, etc are each around 1600-3000. Total is around 50K.As for work, Ive been a student living at home so I have no real income to put down. The surgeon recommended I enroll in my local county emergency medical aid program, which is similar to medicaid He also recommended medicaid. However, I have an annuity account where I receive a monthly dividend. Will this annuity disqualify me from receiving any emergency insurance aid?My plan is to call each hospital function anesthesiologist, surgeon, etc. and set up a minimum payment plan for each one. The monthly annuity is a decent amount, so I can handle minimum payments. Some bills allow for a discount if paid within 60-90 days, so Ill certainly look into that. The hospital bill is the big expense 40K. Whats the best way negotiating with the hospital for minimum payments? My original inclination is to just explain to them Im just a student that needs monthly minimum payments of 150-200 or so, but not inform them of my annuity. I suppose what Im wondering is if Im doing anything wrong in moving forward.  <response>: Go to the hospitals financial services. Once i owed 10,000 but i went in to discuss my inability as a young student to pay my bills and after producing all of the required material they asked for, i paid 140 for xrays and was done. 