<prompt> Human: Apparently supplemental insurance is something people get on top of their regular insurance. So for a 19,500 bill they pay, get this, 75. Edit: it can be marketed as legit insurance and unfortunately I didnt know any better. Its not obviously supplemental like some are sayingI dont even know where to begin. Ive been obsessive about my budget the last few years and paying down old credit card debt student loans. Ive made great progress but the BIG exception is not keeping some money in savingsinvestment accounts. I have ZERO wiggle room for emergencies like this so I guess my only choice is to ignore for awhile or put it credit cards which Id rather not do Im told you can negotiate with the hospital but is it even possible to get this down to 10K? Im tempted to just ignore this for a year and then go to the hospital and beg them to let me give them 6K in cash and hope they accept it. Edit: the only reason I know its supplemental is because I started digging into the fine-print and actually researching it online. When I signed up, I thought talking with a rep on the phone would help me understand insurance better but obviously I was wrong. For those of you saying it should have been obvious... well guess what, it isnt obvious. This shit can be marketed as legit full-on health insurance and unfortunately there are people like me who dont know the difference.  <response>: I work at a hospital here is what you should do.1. Contact the finance department. 2. Ask about any sort of charity carefinancial assistance. If you do not qualify then move to 33. Ask about setting up monthly payments, no one can obviously drop 20k and they know this. Our hospital can do 50 a month forever, 0 interest. SO your 20k bill can be a 40 year loan of 50 a month. Easily doable for anyone.DONT WAITDONT LET IT GO TO COLLECTIONSCALL THEM TOMORROW 