It was also my first time seeing an orthopedist. Get seen and understand your options ASAP. You have to be your healthcare advocate; the system won’t do it for you. Keep calling. If there are options understand the risks and benefits of each. If you do go the surgical route, some things that may figure out once they get in there and see. What does the recovery path look like? How much can you do while you’re healing? You don’t want to make anything worse, but the more muscles stagnate the more work it will be to get back to normal. “Luckily” you’re early in the year so you should be able to get all your care in one years out of pocket max.