Can I get a refund if I did not sign the waiver?

I live in Georgia. I financed a cosmetic surgery in Florida. After 5 months of planning, I get to my pre- surgery appointment. The coordinator didn't tell me I was required to stay in town 7 days, so I opted to not sign the waiver. I paid a third party lender to go to a local Georgia surgeon. I have a specific doctor note that states my husband would be out May 1st-7th to tend to me. The pre surgery consult was scheduled May 2nd, and surgery May 3rd, meaning I would obviously be traveling the 4th-6th. A doctor signed this, their mistake I can't afford to travel back, they said a refund is not possible because 3rd party.