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How to get surgery after tearing my ACL and meniscus? PLEASE. Someone help me. :(?

Situation: Aug. 15, 2012 I tore my ACL, meniscus, and partially MCL while on the 2nd day of RA (Resident Assistant) Housing training, we all went to a trampoline park in Lewisville, TX at CosmicJump. I am student at UNT in Denton, but my permanent residency lies in Dallas where my unwealthy, single Romanian mother lives. She cannot help me with this situation because she does not know how to. During RA training, we were being paid and considered to be working. After this incident happened, the next day, I was handed worker's compensation paperwork to try and see a doctor because I could not move at all. Worker's compensation said they would cover medical expenses, but after 3 weeks of rehab and finally getting my MRI done, they denied my claim after the MRI results came out. I had to stop doing rehab and dropped all focus on trying to get surgery because school was starting and I had to also focus on keeping my job. Now, almost 4 months later, as the semester comes to an end, I am revisiting my options and how to get surgery, so I can stop feeling depressed and gaining weight. I do not have health insurance and love being active. Consequently, I have little patience to live with this injury any longer, but here are the options I have. I need help deciding which one is best: 1. Try to fight worker's compensation by paying a lawyer a couple of thousands of dollars to fight a case that he may or may not win. But if he wins, the school pays all costs...+$15,000 2. I pay $495 (by semester) next semester for Student Insurance at UNT, which covers 80% of medical expenses and waiver's pre-existing conditions. Pay a $300 deductible and then hope to find and see if I can get surgery done with a trustworthy in-network orthopedic doctor. In the end, I HOPEFULLY get a successful surgery to happen, pay about $4000 out of pocket and get to move on past this terrible accident. 3. Indigent Health Care at Parkland Hospital, where I permanently live. I would have to wait months (over half a year) and apply to see if I could get reduced medical assistance for this surgery. Then, after waiting and finally getting surgery, again, putting faith and trust in a doctor I do not know much about. I am so scared and worried. I am desperate for any help. I feel alone in all of this because I really am. My mom cannot help me and nurses, trusted adults, counselors, etc. do not know what to say or do to help me. Most of the time, it's "there are people out there that can help you" or "Well, I just know everything's going to work out." This does very little to actually help. That's why desperation has led me to asking anyone caring and intelligent on this matter for any advice and help. Please. I want to run, trail bike, wake board, do gymnastics, for Pete sake, bend my knee again without pain. I want to live a 21 year old life again. Not a 65 year old one.

Asked By: - 12/7/2012
Best Answer - Chosen by Asker
This is probably a question better suited to an Insurance Law forum, but from my experiences dealing with insurance companies in the past, I would say Option 2 would be your best bet. Insurance companies will fight you to the dot on specifics covered under policies. And for workman's compensation, that often involves... More
Answered By: John T - 12/8/2012
Additional Answers (1)
If you tore your ACL on the job and MRI confirmed I don't understand why they denied the claim? Typically they only deny if there isn't an injury or if they don't think it is bad enough. If you only had a partial tear of an ACL then I could see that. What was there reason for denying? I highly highly recommend a lawyer... More
Answered By: Kirsten - 12/9/2012
 
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