When treating a fracture of some sort you should do ALL OF THE ABOVE. The reason being is when you apply ice to your injury your preventing it from getting bruised. Placing soft padding around the injured part of the fracture can help you keep your leg comfortable. And most importantly you should always seek medical help for precaution.
Tell her to wait until October to discuss plan choices with you so that you can share plan benefits for the current year as well as any changes for the following year that may impact her choice