You're going to need to have a lawyer take the case and file suit for you.  The cost of future medical care that won't be covered by insurance directly from the accident is a very legitimate part of your damages.

There are a number of ways that your future medical care could be handled, in a lawsuit verdict or settlement.  One way is simply a cash award, as part of your overall damages, that represents the present value of your expected future medical costs.  Another way is providing insurance coverage for you, although that's rare, and it's not at all unusual for a case like this to end up going to what's called a "structured settlement," with payments to you being made over time, and sometimes including a fund to be drawn on as needed for medical care related to the accident.