I'm so sorry to hear about your husband's accident. I don't know that I'm any help on the financial angle, but as I broke off my humeral head about 4 years ago, I can speak to the medical/healing -- at least what my experience was like. I had surgery -- a plate installed to reattach the two pieces of bone. Once that was done I was in a lot less pain than prior, though still plenty. Things that made a huge difference as I was healing were --
- t.e.n.s. unit -- https://en.wikipedia.org/wiki/Transcutaneous_electrical_nerve_stimulation -- way better for reducing my pain once the worst of it was over -- helped, but without side effects. Also provided cool impression I was communicating directly with the MotherShip. Prescribed, and covered by (my) insurance;
- electric recliner -- we had one that we had bought after my DH had hip replacement surgery, I probably slept (only) in it for a month or more
- a swimming pool -- getting in one was for some time the only way I could get my arm to raise or otherwise move away from lying against my body. It felt wonderful. As I healed, it was a great resource for PT
- PT -- I probably went twice/week for 3 months and another once/week for 3 more months. It cost a lot (for me, $45 copay per visit and this was pre-APA so did not count against my OOP total). It was worth it.
I'm sorry to need to let you and MrCoolCat this, but I really cannot overstate how long it took me to heal or be even the least bit useful. I probably couldn't drive a car, at all, for 3 months. There was this one moment when I was home alone and needed to run an errand into town -- about a mile in/out, simple drive, low traffic and I thought, "This is ridiculous and I'm just going to go." I got in my car and sat there and was unable to move my (right) arm enough to put the key in the ignition, and I decided if I couldn't do that, I couldn't drive safely, so I didn't go. I did resume work fairly quickly (getting rides from co-workers, telecommuting, or using public transport) -- by which I mean, maybe 2-weeks post-surgery -- but I work a desk job (and had access to those transport options, plus a flexible boss) or I'd have been out for months.
I hope MrCoolCat maybe broke his non-dominant arm, but even so: tough situation. Be kind to him and don't hesitate (and he shouldn't hesitate) to call on friends/family for help, if that's an option. And remember, this kind of occasion is what an emergency fund is for -- I hope you have one, not only to help with the medical expenses but also with the numerous indignities and difficulties that healing will involve.