Thanks Stump, I'm an idiotically optimistic person. I'm maneuvering through the system to make sure its focused on my recovery and not their bottom line.
Today was a day of realizations for me. Going home straight away isn't feasible. If I'm up for too long then the swelling becomes close to unmanageable without anti-imflammatories. Those inhibit bone growth. What I mean is the pain level goes through the roof and the opioids don't cut it. So, the reality is limiting the amount of time I'm up and being at home is not going to allow that. Since WC doesn't cover any homecare services the only alternative is sub-acute care facility. A couple weeks, hopefully, and the foot should be mended for long enough to not swell as much.
In order to get WC to approve it requires the doctor to order it and PT to evaluate me. Physically, I can move freely with crutches which to them means I can go home. Catch-22. So, despite being able to suck up the pain for the duration of the eval and knowing that after the PT leaves I'll be suffering with the consequences, I have to stop short and basically wimp out so they get what they need to ok me for rehab. If I were a pro athlete (as opposed to a pro industrial athlete) there would be no question about the course of recovery. Ah, such is the American way. I hate playing the game but that's what will ensure I don't put myself into a situation where I can't go back due to the regulations.
Ultimately, the point being learn about your WC coverage and how it works before you're a client. Get whatever additional insurance coverage that will augment what they will provide. Something like Afflack where it offset income loss and cover additional services in the home.