As you noted yourself, you had the surgery & are responsible for the bill. You'll have to try & get other financing. Doctors are always concerned that they won't get paid which is understandable. If they do a service, they deserve/expect to be paid. It would be up to the dr. whether to receive/accept payments over time from the patient. I agree that the dr. in this case could have made an exception due to the situation but he didn't have to.

