<prompt> Human: Hello PF. My mother has a hospital bill for 9968. She had a deductible of 10,000 and so now, is being hounded with dealing with calls from collections. Ive asked for an itemized, including medical codes, but she is at the point where she is ready to declare bankruptcy. Im trying to convince her not to, but its difficult. Im willing to spend some time and energy into helping her settle this, but I need some advice. Any help and advice would be greatly appreciated. Also, the hospital she went to is considered an out of network hospital. Edit: I now understand out of network.  <response>: out of network means that the hospital is out of your insurances hospital network and the hospital cant bill directly to the insurance. Insurance also generally doesnt cover as much as they would for an in-network hospital to perform the same procedure. 