No, Universal Medical Group is not a financial institution. We’re a medical provider offering a unique payment plan in partnership with Sundance Medical Financing. This isn’t a loan—just a simple way to pay for your surgery in 2 or 3 installments, with no interest or credit involvement.

Not at all! Since our payment plan isn’t a loan, there are no credit checks or inquiries. Your credit score remains unaffected—our process is designed to be straightforward and hassle-free.

There are no APRs or interest rates with our plan. Unlike traditional financing, you pay a fixed, all-inclusive amount split into 2 or 3 payments—no extra costs or hidden fees.

You can pay ahead with no penalties—flexibility is part of our promise. If you miss a payment, there’s no fee after the first strike. However, if payment is delayed beyond 40 days, a $250 late fee applies to keep your surgery schedule on track.

Yes, you can bring a companion, but we need to know upfront. An extra room incurs an additional cost (not included in the base package), so please inform us during planning to secure space and confirm pricing.

Your final price is determined during your personalized consultation with our surgeon and team (typically a $500 value, included free). They’ll assess your medical situation and provide a clear, all-inclusive cost—ranging from $6,900 to $8,500—based on your specific needs.

We understand life happens. There’s no penalty for the first missed payment. If it exceeds 40 days, a $250 late fee will apply to maintain your reserved surgery date and cover scheduling costs. Contact us if you need to adjust your plan—we’re here to help.

If you choose to cancel, we can process a refund, minus a $1,200 administrative fee to cover merchant fees, phone meetings, your doctor consultation, medical assessment, and reserved surgery and room planning costs. The remaining amount will be reimbursed within 9-12 business days. Just let us know as soon as possible so we can assist you.

If you cancel within 3 days of your surgery date, a full refund isn’t available. This is outlined in your signed agreement with Universal Medical Group, as we’ve already booked your room, scheduled our team, and reserved resources just for you. Instead of a refund, you can reschedule your surgery—see below for details.

You can reschedule by calling our main line or sending an email, as long as it’s more than 4 days before your scheduled surgery date. We’ll work with you to find a new time that fits your needs, keeping your full payment secure.

If you cancel with more than 4 days’ notice and choose not to reschedule, we’ll process a refund minus a $1,200 administrative fee. This covers merchant fees, phone meetings, your doctor consultation, medical assessment, and costs for reserving your surgery slot and room. The remaining amount will be refunded within 9-12 business days.

We accept all major credit and debit cards, ACH transfers, and wire transfers for a single, full payment. Please note, we do not accept Zelle or PayPal.

Your payment is processed after you sign the agreement with Universal Medical Group, securing your surgery date and all-inclusive services.

Yes! If you and your partner both opt for surgery and pay in full upfront, we offer a 10% discount on the total cost for both procedures. Contact our team to coordinate your plans and claim this special rate.