10/01/2026
$71,000+ in medical bills… from ONE broken wrist. 🤯
My client broke her wrist snowboarding in Lake Tahoe — hundreds of miles from home — and needed surgery.
Nothing you’d think of as some massive medical event, yet when everything was said and done, the total charges were over $71,000.
And THIS is where having the right coverage mattered.
Because she had a nationwide PPO plan, she had access to coverage while traveling out of state. Then, after her health coverage did its job AND her additional layer of accident protection kicked in, her total responsibility shook out to just $250.
$71,000+ in charges.
Out-of-state accident.
Surgery.
$250 out of her pocket.
This is why I’m such a believer in building coverage with layers of protection — AND making sure your coverage can travel with you.
We’re heading into ski season, snowboarding trips, holiday travel and winter adventures. 🎿🏂❄️ You can be young, healthy and doing everything right…and still have one bad fall.
You don’t buy insurance because you expect something to happen. You buy it so when something DOES, a bad day doesn’t also become a financial disaster.
Know your network. Know your benefits. Know what your plan would actually do when you’re away from home.
Because insurance is only valuable if it works when and WHERE you need it.