PT too expensive

I just got my x-rays and apparently I have "Chronic wedge compression deformities involving the T7 and T8 vertebral bodies." That are contributing to my hyperkyphosis and back pain. Even an evaluation for PT is estimated at $400 just for the copay. I'm freaking out because aparently the deformities are pribably healed fractures, and I'm only 20. I have a very small window to fix stuff my doctor said, but I can barely afford the evaluation so how much would the rest be? Am I screwed? Do I just have to come to terms with having a fucked up, painful life? Help.