[mudman]

I'm 37 and lead a VERY active life, work a very physical job, and playing with cars is my only hobby that doesn't involve physical exertion.
August of 2013 I was playing volleyball and rolled my ankle. It swelled quickly and I was in some pretty big pain. Managed to drive myself home and my wife took me to our urgent care center.

They took xrays and said it is just a sprain. I don't remember even being offered pain meds or an anti inflammatory. They put one of those simple half casts on me and sent me on my way.

Fast forward to this spring and I see my PCP about my knee as it had really been bothering me, always stiff and sore, getting up from a chair or out of a car I needed a minute before I could walk at a normal pace. Dr does some xrays and says that it looks ok but go see a specialist as something isn't right. Meet with the specialist/surgeon and he does a quick look at my knee and then glances at my ankle and says "WTF is this!" He takes a few xrays and and a CT scan and tells me that:
1) I have a "huge chunk" of bone floating around in my ankle
2) one ligament is fully torn and another has been stretched to the point of not doing its thing
3) cartilage and bone have been eroded by the chunk of bone floating around
4) my knee pain was likely from misalignment of the tibia and fibula causing patella tracking issues

I had surgery in May to remove the bone and repair the ligaments and clean up some cartilage and smooth the rough area of bone where it has eroded. I did physical therapy as directed. My ankle bothers me now more than ever and my knee still sucks (but is a little better)

Dr says I'll probably need more surgery as he couldn't get to all of the cartilage during that first procedure.

This has cost me thousands. I'm never going to regrow that bone or cartilage. I can't do some of the things I love to do and more physical activities, even walking, causes pain.

My initial visit with the urgent care center should have caught this, right?
What do I do now?