I Have Hypertrophic Scarring On My Right Middle Finger. It

I have hypertrophic scarring on my right middle finger. It has continued to grow for the span of about 3 or 4 years, I was told that I wouldn't be able to get it fixed unless I got cosmetic surgery which wouldn't be covered by insurance at all, unless it was impeding my ability to use my hand. It causes alot of tension in my hand and hurts often, as I use my hands for work writing often, mostly a dull ache, similar to what I've imagined arthritis to feel like. I can't put pressure directly on my scar, it hurts and my hand will give out. It is progressively causing me problems more often and I don't have the money for surgery, when do I qualify for help with this?