Supplemental Health Insurance Is Your in-Case-of-Emergency Lifeline

A few years ago, on a whim, I took a day trip with my husband to a little Midwestern ski resort. The slopes were tiny, and I’m a good skier, so it never occurred to me that I might get hurt — until I hit an icy patch, fell backwards and landed on my head. In the end I was okay, but couldn’t help but wonder — what if…