Quote Originally Posted by goldfinch View Post
It only has been a few weeks. No wonder you are anxious! Wait, heal.

As far as your employer's insurance cost going up it is unlikely that your experience is going to drive up the premiums. There are different rules depending on how large the employer is and depending on what state you live in, but states often restrict the ability of insurers of small employers to use claims in setting rates.
<derail warning> when my husband's co worker had preemie twins, it most certainly affected the group premium wise in subsequent years. But we don't know OP's state, company size or any of that. We can leave the discussion on how messed up health insurance is in this country for another board. </derail warning>

And oh yeah, if you are still in recovery, on meds... more than anything take it easy mentally and physically. The drugs do a number on your emotional state even if you aren't aware of it. IF it were me, I'd put the bike in the shop and just take each day as it comes, and not worry about what I'd decide to do tomorrow. My DH had a mountain bike accident that put him in wheel chair for over a month, with a year and a half or so recovery. You bet he took it one day at a time and eventually he got back on the bike and thank god he's dialed it back a notch.