Be upfront with them. I've typically found if you are honest about the situation they will let you know how flexible they can be. Most hospitals/docs have been able to offer payment plans once I told them how much I had and how much I could pay regularly.
Wife to Joe. Proud, tired mommy to Captain Destructive (6/09), Sir Screams-a-lot (8/10), and another little miracle due 3/13.
Trusting God brings life. Believing brings rest.