An Arm and a Leg

Financial self-defense school, now in session: Make your own luck.

If you need medical care, it's like you've entered a casino, playing for your financial life, with the deck stacked against you. Lucky for us, we get insight — and tips the dealer WON'T tell you— from ace reporter Celia Llopis-Jepsen . To start with, she got an executive from a health-care company to talk honestly — maybe more honestly than he realized —…