<prompt> Human: I just got notice that 80,000 worth of medical bills I got for a broken arm surgery wont be covered at all by my health insurance. The hospital has told me I dont qualify for financial aid but I might be able to argue that I cant pay that sum in the two year time they require and that might qualify as hardship but might not. There is no way I can continue paying my mortage and paying my other bills and pay off this 80,000 in the next two years. Also I paid about 15,000 out of pocket already because I thought I had received all the bills and I could some what afford to pay that from my savingsWhat should I do?  <response>: Why is it not covered by your insurance? 