<prompt> Human: I sustained a concussion around a month ago while rock climbing. I was bouldering indoors padded floors, but the impact of hitting the ground after slipping from the top of the wall fucked me up enough to give me almost three weeks worth of concussion. I begged my family not to take me to the ER immediately, fearing exactly the kind of enormous bill I ended up with, and asked to rest a day to see how I felt. They took me anyways, and I got nothing more than my knee tapped, a 4-minute CT scan, and instructions to get a few days rest and take ibuprofen. They did not give me any medication, and there was no ambulance ride. A few days after the incident still very much concussed, I called my insurance Blue Cross Blue Shield of Western NY to ask them what my deductible was and about how much this service might cost me. They assured me that even though their website didnt show this hospital as being in service that their services would cover any ER visit I made. I made sure to ask for clarification and wrote all the details down, because my head was very jumbled and my thought processes were very slow and sluggish. All in all, based on the expected charges I received after calling the hospital itself, and figuring in my insurance deductible, I was looking at about 1,500 out-of-pocket expenses. The hospital even sent me a paper copy of my expected bill based on the services I received.I got the bill in the mail today and am panicking over the amount of money they are charging me. My insurance told me I had 1,264 in unmet deductibles and that after that amount they would cover 80 of my healthcare costs. However. As seen in the bill here...It states on that first page that the insurance has already been billed and that they are not covering anywhere near the amount that they said they would. According to this, the insurance only looks to have covered around 350 of the original 4,400 bill. I also received a second bill same day for a small amount of money 33, but it appears to be for the same exact services. What does this mean? Why did I get a second bill? Why is my insurance not covering me when they told me they would? I have so many questions and my head is spinning and Im really devastated by all of this. Of course this happens on a Saturday so I have to wait until Monday to get the chance to talk to the insurance company. For reference to my financial situation, I work full-time in retail and earn less than 14 an hour. I worked minimum wage all through college to start a meager savings account, but something of this magnitude is a really big setback in my financial planning and feels completely devastating. Thank you to anyone for any sort of advice, guidance, or even just for listening. Assistant: You can call the hospital and ask for a payment plan as well. My wife had an ER visit a few months ago that cost us about 1,500 outside of insurance and she was able to negotiate with them for 6 monthly payments.Human: Does this typically end up costing more than the original bill if you split it up between multiple payments? This is good to know though, thank you!  <response>: I told the hospital what I could afford to pay them and they put me on a payment plan for that amount for 2 years until it was paid off. Honestly, I think they were just happy to be getting paid something. No fees or interest. 