Are there any programs out there to assist you with bills if you have to have surgery, and don't have PTO time

Answer 1

You can start with your doctor, then the hospital your going to enter. I did.
They don't advertise but they all have a "friends" of hospitals or entrepreneurs that will allow people to borrow or actually donate them monies for specific surgeries if they meet certain criteria.
Don't put off a surgery due to not being able to pay, check it out first.

Answer 2

You need to ask the state in which you live...all states are different..