Give yourself as much time as you need. I've had some pretty serious ( airborne) mountain bike crashes, and one summer all I did was ride fireroads, no trails, until you get your confidence back.

An attitude of gratitude is always a good thing to muster up. $15 co pay? Most Americans should be so fortunate. Count your blessings financially, for your health (it could always have been worse) and for your support system, among other things. But time more than anything will give you the answers you need.