Unexpected medical bills piling up after my car accident

I was in a minor car accident a few months ago and thankfully I wasn't seriously hurt, but the medical bills have been surprising and stressful. Even with my insurance, I’ve ended up with about $3,000 in out-of-pocket expenses for follow-up visits and physical therapy. My paycheck barely covers rent and utilities, so adding these bills has really thrown off my budget. I’ve tried calling the hospital billing department to negotiate a payment plan, but they only offered a very strict schedule that feels unrealistic given my current income. I’m worried about missing payments and the impact on my credit. Has anyone dealt with unexpected medical debt like this? How did you approach negotiating or managing payments without ending up overwhelmed? Also, are there any resources or programs that might help with medical bills when insurance only covers so much?