Catrin, arguing with insurance companies and hospitals is no fun, but it really is worth it. I find that if I put myself in the position of advocating for someone else (i.e., pretend I'm calling for someone else--like it's my job), I can stand up for my "client" (moi) a whole lot better than if it's just little ole me. Might work for you, too.

At the very least, whatever you owe the hospital, you should be able to work out a payment plan that will work with your finances. $100 a month or whatever--better than losing money on your bike, not to mention losing your bike.