<prompt> Human: In about a month Ill have insurance through my work, but I had to go to the ER about 3 weeks ago. Will my insurance be willing to help after the fact? If not, is there anything I can do to help soften the blow here?  <response>: No, if insurance was retro-active no one would buy it until after they needed it. Call the facility and they will set up a payment plan. 