First, $360 per month for health care for 2 means your employer is chipping in at least the same. Or you just have a cheap policy. As one who has always had to pay the full price for health insurance until recently, the cost of a good health plan can be mind boggling.

I am concerned there is something much more than a concussion. His unwillingness to be cooperative with treatment and such makes it very difficult. Could he have done some drugs or huffing, etc. ? Getting a completely truthful answer from him is paramount.