There's no excuse for not getting this fixed professionally, especially if you're insured. There is no "Theyr'e gonna charge this and it's not covered." There are very rigid schedules of fees and coverages, where hospitals and insurance rates have come to agreements on what is "fair" to charge for what service. What you have to look out for is deductibles and co-pay. It may be that your insurance doesn't kick in for the first coupla thou or so.
Go to a county hospital, they can't refuse to treat. (A "corporate" hospital will almost watch you die while they verify coverage and ability to pay.) I hear people say the corporate-owned hospitals are better-equipped; whatever. That's not the case where I live, and personally, I think medicine for stockholder profit is a bit goofy.
The county place will take your insurance info and file the claim, you don't have to pay and seek reimbursement. If your coverage is short due to deductible or copay and you can't pay the bill at the county facility, they will do what they can to work out an arrangement. Even if it goes to Collections, they'll work with you. (Don't ask me how I know.) Since it's not an emergency of life or limb, a corporate facility can refuse you if they know you will have trouble paying.
If you don't fix this, you'll be lame (in all senses of the word) for a very long time, and as you age, it will only get worse. This, you may ask how I know. . . . .