Yes, Health, but a fracture of a toe that is not very painful and she could walk on the foot would not likely need more than a supportive comfortable shoe (not that she would be wearing flip-flops in the winter) and a pain reliever. What else would a podiatrist or orthopedic surgeon do for it?
Being that you are a trained medical professional and I gave my lowly non-medical opinion, what would you recommend that she do? People without insurance cannot run to the doctor for every little bump or bruise. She did not say in the beginning what had happened, thus the multitude of recommendations.
BTW, nobody asked whether you preferred a podiatrist to an orthopedic surgeon, that is your opinion. They are not so prevalent here in EY (I know that is where LU is located) and they certainly do not have access to an x-ray machine. The most logical thing for her to do would be to go to Terem, which we have both referred to) and have an x-ray to make sure it is not a fracture. If her toe was not hot or painful, then possibility of infection is low. I do not feel that I gave her bad advice in the least.