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If it were me insurance or not I would still go to the er and make arrangements to pay it later ... you might have a severe break and years from now If you get arthritis in it , it will be very painful . Good luck to you and please let us know how it turns out .
I broke my finger a year ago and my mum said it would heal by itself (We are stubborn french people) so I couldnt move it for about two weeks. However, now I can move it but it has a lump or bump or whatever where it broke and I cant fully bend it. I recommend going to the doctor strongly, sure it can be healed at home IF YOU HAVE THE EXPERIENCE OR A DOCTOR AT HOME otherwise, you arnt qualified so dont try
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