Hi Jamie, Yes I had to do the 20% co-pay. My hospital demanded the money up front so I took out a loan. However, if your hospital will work a payment plan with you all the better. I would give that a try. Most places want to truly help you and would be willing to enter into an agreement knowing you have insurance that will cover 80%. Good for your for taking that first step. I will never regret mine! Where are you located in Wyoming? I'm in Cheyenne and the hospital here can and will work with you; you just have to mildly persistent and assertive.
Best Regards,
se