Health Insurance
Almost everyone in Canada has basic government health insurance.
You can buy extra health insurance for the things that government health insurance does not cover, like buying glasses and prescription medicine.
A few companies sell health insurance for visitors to Canada and returning Canadian residents who can’t get basic government health insurance yet.
The insurance is often just for emergency medical treatment.
Extended health plans often cover prescription medicine, ambulance services, and vision care.
Check your policy to see what it covers.
Dental plans usually cover check-ups, cleaning, fillings, and dental x-rays.
Usually health insurance covers the plan member and dependants (spouse or partner and children under 19). Older children may be covered if they are full-time students or if they are disabled.
Usually you pay a deductible every year ($25 or $50 per person).
Some plans have a deductible every time you use a service (such as $5 for every prescription).
Some plans have co-insurance, which means you pay part of the expenses (from 10% up to 50%).
Many plans also have a maximum amount you can claim per year for a kind of service (like glasses).
Some plans don’t cover expenses for a pre-existing condition (a health problem you had before you got the insurance).
Making a Claim
Usually you pay the bill, and then you fill out a form and attach a receipt to make a claim. The insurance company pays you back.
Sometimes the insurance company pays the pharmacy or dentist for your claim, and you only pay the part that is not covered by your insurance. The insurance company gives you a card with your policy information to show at the pharmacy or the dentist.
Usually you get money back quickly from your claim.
Some insurance companies pay by direct deposit and some pay by cheque.
Questions to ask:
· What does the plan cover? What does it not cover?
· Do I need a medical examination?
· How much is the deductible?
· Is there co-insurance? How much do I pay?
· Does it cover expenses for a pre-existing condition?
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