The disclosed embodiments include a method, apparatus, and computer program product for generating multiple correlated meshes around complex and discrete fractures for the purpose of reservoir simulation. In an initial two-stage process, a 2.5-dimensional mesher algorithm, may be used in conjunction with an extended anisotropic geometry-adaptive refinement algorithm to produce, from a structured grid Earth Model, a refined reservoir model. Fractures may be modeled as a volumetric mesh that is independent of the refined reservoir model. Thereafter, the two independent, overlapping meshes are combined by forming matrix-matrix, fracture-fracture, and matrix-fracture connections to form a single model to allow rapid simulation of an extremely complex fracture network with sufficiently accurate results.