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In my experiance (and sadly I have a lot of it) Hospitals will generally allow you to make payments on your medical bills if they know you cannot afford it. But it usually means exposing all of your finances so that they know more about them than you do and coming to an agreement of how much you can give them weekly, bi-weekly or monthly. But they cannot refuse any payment you offer them (at least in the state of ohio) or you do not have to pay that bill.
Long story made short, my aunt was paying 10$ a week for medical bills and they refused her payment saying it was not being paid fast enough, had collection agencys all over trying to get money out of her and took her to court, the judge said she was at least making the effort to pay so therefore by refusing her payment the hospital received nothing further on the debt owed.
As long as you attempt to pay SOMETHING, you are at least showing that you are making an effort to pay the bills and it will help you in the long run.
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