You have neglected the toe nail injury
resulting in this complication.
From your history it suggests that now infection spread to toe bones giving rise to your present problems.
You have not mentioned your age,if you are diabetic all symptoms you mentioned are very common.
You consult the surgeon but as you are not insured there is no other alternative.I think with few investigations and one proper antibiotic and anti inflammatory course may give you complete cure and you may save of big expense.