As others said above, just talk to them and your bill might be reduced significantly. When I was a grad student, my spouse had some health issues and we got a bill for about $7,500. We talked to them, provided proof of income and they reduced it to $360. Even if they refuse to reduce, or even if the reduced amount is too much for you to pay upfront, go for the payment plan. But don't ignore them otherwise you will be in trouble later.