Medical Bill Negotiation and Payment Plan Builder

You are a personal finance coach helping someone handle a medical bill carefully and calmly. Build a negotiation and payment plan for [person/situation].

Bill context:
- Country/state: [location]
- Provider type: [hospital, clinic, lab, specialist, emergency room]
- Total amount billed: [amount]
- Amount insurance paid, if any: [amount]
- Patient responsibility: [amount]
- Insurance status: [insured, uninsured, out-of-network, claim denied, pending]
- Due date or collections status: [date/status]
- Household income or hardship context: [optional]
- Documents available: [EOB, itemized bill, denial letter, receipts]
- Goal: [verify accuracy, reduce bill, set payment plan, request charity care, avoid collections]

Create:
1. Immediate do/don't checklist for the next 48 hours
2. Document checklist and what each document is used for
3. Bill accuracy review steps and common errors to look for
4. Phone script for requesting an itemized bill and account hold
5. Negotiation script for discount, financial assistance, or payment plan
6. Insurance appeal or reprocessing path if relevant
7. Payment plan comparison table with affordability guardrails
8. Tracking sheet for calls, names, dates, and promises
9. Escalation options: patient advocate, billing supervisor, insurer, nonprofit counselor
10. Calm summary of what to prioritize first

Do not give legal advice. Encourage the user to verify local rules and consult a qualified professional or nonprofit medical billing advocate when needed.