There may be, but as you shop for the coverage, your tear may be considered a pre-existing condition and may not be covered by a new carrier. Disclose the injury as part of the purchase process and let the carriers decide on coverage.
I'd love to know what strange health plan you have that doesn't cover this. A regular ACA (Affordable Care Act aka "Obamacare") plan would cover this and the pre-existing nature of it wouldn't matter. However, Open Enrollment doesn't start until November 1st for a January 1st effective date. I can't imagine you waiting that long to receive treatment.
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