Take supplements as an "insurance policy," says Nieca Goldberg, M.D., an expert in women's heart health. It's hard to rely on food alone for an ample amount of calcium — we women need at least 1200 mgs per day. Look for supplements of about 500 mgs calcium plus 200-400 mgs of vitamin D. Try ViActive Calcium Soft Chews — they double as dessert! (Bonus: Calcium also keeps blood pressure low.)

Australian researchers found that patients who took adequate calcium supplements long-term, along with doses of vitamin D, had a significantly lowered risk of fractures. And an Italian study has found that supplements with a soy compound called genistein — taken with calcium and vitamin — may help increase women's bone mass after menopause.

Other helpful hints to ace your "pop" quiz:

Take Vitamin D with orange juice to increase absorption.

Avoid taking calcium and iron at the same time; iron binds calcium, inhibiting absorption.

Don't assume that multivitamins have you covered; most are low in calcium

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