This case involves a male patient who broke his arm during a game of basketball in Colorado. He presented to the ER where an x-ray of the affected area was obtained. The x-ray revealed a mildly impacted fracture of the patient’s wrist. The patient was then told to see an orthopedist, but when he presented the next day he was told that the doctor did not accept his insurance. He then presented to a primary care physician at another medical center who made him an appointment with an orthopedic specialist for a few weeks later and placed him in a soft cast. Some time later, the patient’s cast was coming off so he presented to the ER at a different facility and was given instructions to see an orthopedist specialist within two days, however he had to go back to his PCP to receive authorization and referral. He saw the orthopedist who examined him and said that it was too late to fully reverse the damage. The patient underwent a wrist osteotomy and was left with a permanent disability of his hand.