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Old 02-19-2015, 08:04 PM   #51
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Canadians: I recall reading that your government-funded health insurance is based upon your province, and that you have to be able to prove that you reside in your home province for at least six months out of the year in order to qualify for coverage. Is that correct?
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Old 02-19-2015, 08:10 PM   #52
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My wife and I have employer paid health benefits and have decided to purchase additional coverage for our 5 days in California. While our employer paid plan covers the basics, it does not cover repatriation in the event one of us needed to be transported back to our home under medical care via plane, etc. While highly unlikely will need it, something like this could be very expensive. I think perhaps on both sides of the border most private and public health plans do not cover repatriation without additional fees.
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Old 02-19-2015, 08:26 PM   #53
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Sounds as if the Canadian health system is the same as Medicare when out of country, namely, neither pays anything, so you have to have a supplement or a private policy. I was wondering if Canada was different.

That is worse for Canadians because Americans have private insurance to 65 (and often after) and it usually covers out of country medical as some have mentioned with theirs. So I guess Canadians are aware that they have to get a special policy for travel at any age. I wonder how many leave and do not realize that. Americans, on the other hand, may leave the country after age 65 and not realize that Medicare does not cover them, especially if they just go over the border to Mexico or Canada.
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Old 02-19-2015, 08:29 PM   #54
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Old 02-19-2015, 08:29 PM   #55
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My wife and I have employer paid health benefits and have decided to purchase additional coverage for our 5 days in California. While our employer paid plan covers the basics, it does not cover repatriation in the event one of us needed to be transported back to our home under medical care via plane, etc. While highly unlikely will need it, something like this could be very expensive. I think perhaps on both sides of the border most private and public health plans do not cover repatriation without additional fees.
And what you mention is why Americans who travel often get travel insurance especially when going overseas. Probably many do not get it for land border crossings but they can be out just the same.
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Old 02-19-2015, 08:32 PM   #56
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but for those of us in the frozen north,

Really North Van the frozen north that is hilarious
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Old 02-20-2015, 12:43 AM   #57
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...That is worse for Canadians because Americans have private insurance to 65 (and often after) and it usually covers out of country medical as some have mentioned with theirs.
Very many Canadians have private insurance as well to cover things not covered by government plans (such as prescription drugs, dental care... and out-of-country coverage). Because it is usually through our employers, we tend to lose coverage in retirement... although some retirement benefits include medical coverage (at least in-country).
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Old 02-20-2015, 12:57 AM   #58
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Half of my basic medical is covered by my former employer ( because it is a benefit won by the union I belonged to ). So, I pay $720 a year and the company the same.
When I retired, I lost the company extended health and dental plan and I pay that myself - $290 a month.
So, medical isn't free up here, but at least we don't pay $300 for a Zip-lock baggie with a couple BandAids and some ointment ( the charge a co-worker was billed in Arizona when he went to a clinic for an ingrown toenail ). He was reimbursed by extended health.
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Old 02-20-2015, 09:27 AM   #59
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I just had surgery on two fingers that had "trigger finger" (essentially carpal tunnel of the finger) It is outpatient and very minor, a small cut is made, the band encasing the tendon is snipped and it's sewn back up. The surgery itself last about 10-15 minutes. The hospital bill before insurance discount was $16,000. Luckily I have insurance that paid most of that ridiculous bill.
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Old 02-20-2015, 09:46 AM   #60
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You do have to watch ambulance rides in the US as well. I've had two of them, the first a helicopter between Nantucket Island & Boston (around 80 miles) - $13,634.00. The second was a standard ambulance from Buckskin Mountain State Park to Parker AZ, (13.4 miles) - $1640.73. I'm awfully glad my insurance covered most of each.
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