Definitely talk to the hospital. They all have financial assistance and charity care policies that will allow you to pay what you can, maybe even nothing. It becomes a problem when people don't communicate and just ignore the bills, because the hospital can't know who has money and who doesn't unless you tell them. If you think the person you are speaking to is being unreasonable or too aggressive with you (and you are staying calm, right?) then ask to talk to someone else, all the way up the line if you have to.
There is no need to put it on a credit card! They will not ding your credit unless you ignore the bill.
A write off is something that the health provider does, they just eat the cost and don't collect. Nonprofit hospitals are given exemptions from paying taxes for their willingness to do this. But, again, they also have the responsibility to stay solvent and collect what they can for the work they have done from those who can afford to pay...so COMMUNICATE. Many hospitals put their financial assistance and charity care policies on their websites, look so you know what to expect.
Charges are very complicated. A procedure might have a $2000 price, and if the hospital has a contract with your insurance provider, the hospital may have agreed that they will only charge $1400. Then your insurance may only pay 50% of that, so you have to pay the rest, which would be $700. So it is normal to still get a hefty bill if you have insurance.
And, unfortunately some insurance plans (mine, for example) will pay 100% for annual "routine" colonoscopies. But because we have UC our colonoscopies are "diagnostic" and my insurance will only pay like 80%. How fair is that??
49 year old female attorney, diagnosed UC/pancolitis 1985, no surgery but much suffering. Asacol/5ASA 6x400 mg maintenance for 20+ years; use prednisone & Rowasa for flares.
August 2008 sought care of naturopathic doctor. Food sensitivity test showed wheat/gluten, other intolerances; eliminated all wheat/gluten from my diet. Probiotics (Ultimate Flora, 50 billion), trying Curamin.
Flaring, seasonal? or supplements too harsh? Back on prednisone, tried to taper but now back up to 20-30 after several really bad days. Waiting for insurance decison on Humira...soon...