Find out if you qualify for state or private help. If you are pregnant, recently gave birth or are over 65, you are probably entitled to Medicaid or Medicare help. Even if the bills are for something you had done in the past, you may still be able to get coverage if you apply for help within a specific period of time.
Work out a payment plan with your doctor or the hospital. If you can find a way to pay the bills a little bit at a time, rather than having to do it all at once, you’re more likely to be able to come up with the money.
Sell something you no longer need or want. This can mean an old record collection, a second TV or the mountain bike gathering dust in a corner. While you may not get much for any of these items, every little bit helps. For expensive items, try eBay or another site that allows you to set your own price. For second hand equipment, visit a local pawn shop.
Look into worker’s compensation, especially if your bills are due to an injury or accident suffered at work. Workers' comp is likely to cover not only your medical bills, but also visits to a therapist or other type of care needed after an injury.
Get a medical loan. If you are planning a surgery or another major medical procedure and your credit history is good, you may be able to get special financing through companies such as ABFCredit.com, which specialize in helping people cover medical expenses before they happen (see Resources below).