Motorcycling's reasonably safe, but stay away from snow shoveling... Fell and busted by wrist wensday. Gave it the standard RICE treatment and some OTC pain meds and called my HMO's "nurse line" for advice. Of course they told me to get to ER right away, but that's 20 miles away, snow's still fallin', and the winds pickin' up= Imminent 0 visibility out here in the country. Not much better weather thursday, so friday I finally got to Urgent Care. They x-rayed and confirmed fracture and referred me across the street to the local hotshot orthopedic surgeon's lavish clinic/OR. Red flags went up soon as I entered the place- Roof covered in solar cells but still snow and ice on the sidewalk leading in. Hotshot Dr. wants to "operate" monday and wants to do an EKG first, and wants someone to drive me there and and be with me for 24 hours afterward. And the "operation"- "Closed reduction"... So he wants to do (and bill for a full surgical prep and anestisia (in his own OR, of course) to set a fracture?! When I hesitate, he warns I'll get arthritis without the surgery... Well, I already got arthritis! Got home and I researched more, he's a big schedule narcs prescribor and most of his business is medicare= 100% pay, 0 deductible. Find that the bill will likely be at least $10k, and I've still got a $1k deductible to kill this year and I have to pay 20% after that= $3k or more out of my pocket for a glorified fracture setting! My temptation is to leave it go and see what happens... I can still upgrade to a better insurance plan for next year, and in a year and a half I'll be eligible for medicare. I'm in a rural area, so I don't have a whole lot of choices, and no way am I going to help this "hotshot" doc feather his nest! Any advice?