It has been a long and hard year for our family as my husband had a terrible accident at work and spent much of the year laid up in the hospital.  We are so lucky that he is still alive and we are thankful that he had angels watching over him that day.  The toll it has taken on our family is something I never want to have to relive in my life.

I can actually say that we all had angels watching over us because of the excellent health insurance we had acquired before the accident.  I am a big advocate now I’ve always been prepared because you just never know if tomorrow is going to come.  We purchased the health insurance just weeks before his accident.

Had we not purchased the extra insurance, we would have been covered for just the bare minimums and my husband and I, would be paying for the rest of our lives.  We would have probably lost our house and life as we know it would be a lot different than what we had been accustomed to.