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One thing I should have mentioned is that even if you have insurance, make sure you know exactly what is covered, whether there is a cap, etc. Because of the potential total cost involved, you may still need to find manageable but fairly large sums of money out of your own pocket.
One other thing I learned was that if all else fails, some hospitals are fairly easy to deal with regarding payment plans: even for sums much larger than those for which you might normally seek credit. If you have gone the other routes without success, it does not hurt to ask.
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