I understand your fustration. I am a T-10 complete. I was injured later in life. I was a daily runner prior to my injury. I have found that SCI is not a big enough group to have special attention. We all go through the initial phases from the day of our injury to a couple years of recovery. I also worked out religously prior to my accident. This gives me the understanding to condition myself so I am independent. I know work out a few days a week. It keeps my mind clear.
I would highly recommend to work out with free weights and get as strong as possible. It will change your life and attitude. I would be overwhelmed if I had movement or sensations come back. Your lucky, most of us are worse off.
Better insurance is not going to give you any better PT. Do it yourself. It took me almost a year to build up, too master ten pullups. I climb up a nine foot ladder and crank out the pullups. It has strengthen my back and giving me better balance. If you are on meds, try to reduce and eliminate them. I have nerve pain bad , but only take asprin , aleeve and antytriptelene at night to help sleep. It is better to have a clear mind instead of a foggy one. Have your T-levels checked. SCI patients are usually clinically low. I take Depo shots every two weeks. It has helped my immune system and increased my strength. I hope some of this helps. I wouldn't blame anyone that is not in our shoes. No one understands what it is like to be in a wheelchair everyday. No one should be in a chair and I hope someday the medical industry can change that. I wish you well. You are not alone.
. My email if you ever have any questions.