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Seamus, 58 · Medical
Medical stories

Medical · Member story · May 29, 2026

Severe Knee Injury Requiring Surgical Repair And Extended Rehabilitation + Ongoing Foot Pain Requiring Podiatric Care

The costs

  • Cost with insurance: $6,000–$15,000+
  • Cost without insurance: $25,000–$45,000+
  • Cost with Curaechoice: $0

Seamus’s Medical Experience

Seamus first used Curaechoice in 2021 after a long-standing knee injury reached a breaking point. Years earlier, while coaching youth football, multiple players collided into his leg, causing serious damage. “I tore my ACL, LCL, and meniscus,” he said. “I didn’t realize how bad it really was at the time.”

For nearly seven years, Seamus lived with the injury. He adapted his movements and avoided certain activities to manage the pain. “I could run straight, but I couldn’t cut or squat,” he said. “If I forgot and tried, it would remind me real quick.”

Eventually, the condition began affecting his safety at work. Seamus works on a manufacturing floor, and his knee started buckling during long shifts. “I was almost falling into cars,” he said. “That’s when I knew I couldn’t keep going like that.”

It feels like I’ve got a brand-new knee.
Seamus

After visiting an on-site physician

Seamus was referred to an orthopedic specialist. During the scheduling process, he learned something unexpected. “The lady setting up my appointment said, ‘You won’t have to pay anything,’” he recalled. “That’s when Curaechoice really clicked for me.”

Seamus underwent knee surgery and completed months of rehabilitation. He was off work for four and a half months and used short-term disability while recovering. Throughout the process, he never received a bill. “Nobody ever sent me anything,” he said. “No surprise charges, no issues, nothing.”

The results were life-changing. “I can run, jump, squat, pivot—anything,” Seamus said. “It feels like I never had an injury.”

In addition to orthopedic care, Seamus also used Curaechoice for podiatry services related to chronic foot pain caused by long hours in steel-toe boots. A specialist created custom shoe inserts molded specifically to his feet. “That pain is gone,” he said. “Those inserts made a huge difference.”

Seamus’s family has also used Curaechoice for urgent care and routine medical needs. “We’ve all used it,” he said. “It’s been easy every time.” Today, Seamus actively encourages coworkers to explore the benefit. “I tell people all the time— open the app and look,” he said. “You don’t realize how much it covers until you need it.”

I didn’t pay a dime for surgery, rehab, or follow-ups.
Seamus

Seamus's benefits with Curaechoice

  • Zero-Cost Surgical Care. Knee surgery, hospital services, and all related follow-up visits were fully covered without deductibles, copays, or surprise bills.
  • Comprehensive rehabilitation access. Post-surgical physical therapy and recovery care were covered in full, allowing Seamus to heal properly without financial pressure.
  • Specialty care without cost barriers. Orthopedic and podiatry services were accessible when needed, supporting mobility and long-term function.

*Actual member testimonial; member’s name has been changed to protect their confidentiality.

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