I Got a bill from the Emergency Room the other day of $798.50.

The first thing you need to do is call the hospital and discuss with them a payment plan and see if they would be willing to reduce the fees in any way. Often what they charge the insurance companies is a great deal less than what they charge those without insurance, reason being they negotiate fees for common procedures with the companies and they will pay no more than that. As a result there is no reason for you to pay more than that either. Then call the doctors billing office and do the same thing. As long as you pay $5.00 a month they can not send you to collections. You are paying in good faith Second. Cyst on Ovaries is common do not assume hysterectomy, there are other things they can do. First you need to find out why they are there, what is causing them, I round of blood work will rule out most things and help to recognize others. Most often cyst are associated with Poly cystic ovarian syndrome PCOS. which is recognized by a change in your hormones and causes many cyst on your ovaries, cramping and is treated with a simple medication that cost $4.00 a month from most pharmacies. Most OBGYN's will not do a Hysterectomy for ovarian cyst, unless you have a long history of them and you are reaching menopause age. I have them, I have had them since I was in my 20's, I had a partial hysterectomy due to uterine cancer, guess what they refused to take my ovaries. Reason being if they take the ovaries you have to go on medication for the rest of your life, your hormones are screwed for the rest of your life. You go into early menopause etc. Now they may do an outpatient surgery in which they remove the cyst, this is a simple procedure where they use an endoscope and you are not even cut, they go in with your belly button and you have minimal incisions. It is not as costly and prevents major surgery, but it is not necessary. Cyst normally only hurt when they rupture and now that you know you have them, if you hurt take four aleve and it will help. so will soaking in warm baths.

First set up a payment plan with the hospital, explain to them that you are not able to pay much but that you will send at least X amount a month. If yo have an agreement with them and stick to it they will not send the creditors after you. You said that you do not have a doc. Me either, I get my birth control and yearly exam from planed parenthood. I do not agree with some of the things they do but they are the only people that will actually help you no matter your income. They will need information from you, call and make an appointment. They can re-examine you and give you a second opinion. My sister at the age of 16 had to have a partial hysterectamy because a cyct burst. The doctor told her that in order to prevent the cycts she needed to either regulate or prevent her monthly. Becuase of this I have been on the shot fot almost 8 years. THis has stopped my monthly and everything that is unplesant about it including cramps and any cysts that might have developed. It may be neccesary for you to have sergury but why not see if birth controll will help. It is not unhealthy to prevent your monthly, and it may save you money and your health.

Ouch that is quite a bill. Most hospitals will work with you on payment plans. the key is not to ask. Tell them I can afford this amount. We have a few free clinics in our area who recommend doctors that do surgery. You might do a search for free clinics in your area. The key is research. My mom doesn't have insurance either. And she needed some tests. One place cost her $900+. She kept looking and found a place that would that did the same test for just under $500. I know the process of research may suck, but it would save you some $$$ in the long run.as for places online for cash I found an actual part time job here: www.genuinejobs.com the site and jobs are free.

I had to have my appendix taken out in 2003. Just a little stomach ache turned into surgery, 4 days in the hospital, and $16,000. I know how you feel, and it really does suck.