Don't have others make decisions for you. Insist on an itemized bill, so you know exactly what you are being charged for. Scrutinize the bill carefully, to ensure it is accurate. Do not assume that just because the bill has been generated on a computer it is bound to be accurate. You may need to shop around to get a realistic estimate of treatment costs.
Many doctors can and do reduce their fees for patients who face problems with regard to payments.
Don't forget that the government does provide highly subsidized medical care through its vast network of hospitals.