Buy some catastrophic medical insurance with 10,000 deductible. Should be pretty cheap for you. Not sure if they offer higher deductibles now or not. A good agent is the way to start. Your mother's policy is an alternative.
Did you know there are only 5000 Snow Leopards in the wild now and they are confined to Central Asia? However, the effective global population (those likely to reproduce) is less than half that number.