Gotta agree with slowpedaler. I broke my tibia about 30 years ago and liked it so much that I broke it again about 10 years ago. In both cases I had to have surgery. The first one was to put in the hardware and the second one was to take it out since it cause a stress fracture. In both cases, I was on a bike as soon as the cast came off which was 6 weeks. I wouldn't wait 3 months for any break. Heck I got hit by a car, shredded my knee on the pavement had to undergo surgery to repair the damage and I was still back on the bike after 6 weeks.

Bicycling is a low load sport which you might want to point out to your doctor. I find that it aids healing rather than hindering it. Long convalesces for a minor...and a broken bone is relatively minor...injury hurt more than they help.