<prompt> Human: Im right ticked off tonight. I scheduled the surgery for carpal tunnel both hands after finally getting the testing done took forever to get an appointment. Ive met my deductible but I got a letter today saying they require prepayment of all coinsurance and copays prior to surgery, and thats just the Dr fees, the surgical center has a separate charge due day of, and the anesthesiologist will too. I can pay my 95 copay, hell I can cough up 500 bucks but I cant pull together 2100 amount left to my out of pocket cap by the 15th of December. When I had a colonoscopy a couple years ago with the same system, they demanded payment in full the day of. I wound up only paying the copay 95 and being billed the rest, but coming up with this much all at once isnt possible. Im going to ask about a payment plan next week when they call to tell my how much I have to pay, but last time they refused to offer a payment plan so it had to go on my credit card.Ive had issues with my hands for years but the last six months or so its gotten so bad I cant hold a pen or a fork and its no longer annoying, its painful and its interfering with work, leisure and basic daily life. Ive never left a bill unpaid, and my credit is great, so Im hoping for a payment plan.Is this normal? Are yall seeing this in other areas? Im in SC. Am I being unreasonable for only wanting to pay the copay prior and the rest later?  <response>: If you want a payment plan you may be able to open one up through Care Credit or similar. Their interest rates are horrible but they usually have promotional periods. Ask the docs office if they will take that.I dont blame the doctor for wanting to get billing sorted out in advance. Frankly it probably keeps their costs low knowing they dont have to deal with absconders, debt collectors, lawsuits, etc. 