Filing for bankruptcy is comprehensibly not the right way out for taking care of phenomenal hospital bill. It will have a negative impact on your credit report and hurt your chances of securing a loan or a job in future. Paying by credit card is just another fill-in arrangement for the bill is only moved from one source to another. Earlier you owed the medical provider, now you would owe the credit card company. Most people can’t think in regards to negotiating even if their medical bill is out of their capacity to pay. To negotiate medical bills with the medical provider for a hospital bill is no different than negotiating with any other vender who’s selling you something. First step in negotiating hospital bills is to go through a detailed statement of your bill to make sure that you are only being charged for services that you used. You should also check with Medicaid to look that the service hospital has not charged you more than the fixed limit for any service. Also see that you know what all parts of the bill will be covered by your medical insurance agency. Secondly, you should negotiate medical bills in an approach that is delicate yet firm. Realize that shouting and misbehaving with service representatives is not going to make situation beneficial for you. Instead, you must concentrate on trying to drive home the point that the bill is just too high for your paying ability.Be upfront during negotiations. Keep a record of your past conversations relating to the concerned matter and the name and IDs of the officers you have spoken to. It’s never a good idea to negotiate medical bills over the phone.Lastly, be accurate in what you are aiming for. You must be very clear in your mind as to what you want from the hospital’s side.