Will I need knee surgery or will physical therapy fix me?

I got in a fight with the ice last week and the ice won! My foot went one direction, but my knee went another. Just before I hit the ground, I felt and HEARD a 'pop'! My MRI report reads:

"The menisci and cruciate ligaments are intact. High grade proximal medial collateral ligament sprain. The medial retinaculum is nearly completely torn from its femoral attachment. Articular cartilage ulcer at the medial patellar facet. Suspect transient patellar dislocation despite the lack of osseous contusion at the patellar and femoral trochlea."

I understand what the report says as I have taken anatomy and physiology, but am unsure if these are injuries that will heal with time, physical therapy, surgery, or a combination. Can anyone help me? I'm a disabled veteran and all of my care comes from the VA. I am concerned that the wrong decision will be made regarding my care. The VA doesn't have the best of reputations for surgery! I wish I could see an orthopedic surgeon elsewhere but I can't afford it. I'm also getting married in 6 months and I'm kinda freaking out! Thanks in advance for any answers you can give me!

[CassCore]

The retinaculum should heal itself and MCL too, as for the cartilage it typically does not heal on its own. But pain can be managed. Physical therapy is always worth a shot before surgery. Give it a try! They can help with pain managment and streghtening for sure!