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  1. #1
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    out of country health ins.

    I been working without it for quite a while and can't figure out if I'm covered by OHIP or not? Looking at the Ontario Health website I seem to be covered so why would I need extra coverage? They say I need to purchase additional ins. and in the next paragraph say I'm already covered?
    Anyone from Ontario have experience getting injured or ill outside of Ontario? Guess I should just ask my employer but I don't know if they know and don't really trust them for a honest answer.

    Last edited by blanks; 04.23.2011 at 01.27 AM.

  2. #2
    Road Train Member Prairie Boy's Avatar
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    Quote Originally Posted by blanks View Post
    Starting a new job going to the States weekly and can't figure out if I'm covered by OHIP or not? Looking at the Ontario Health website I seem to be covered so why would I need extra coverage? They say I need to purchase additional ins. and the next paragraph say I'm covered?
    Anyone from Ontario have experience getting injured or ill outside of Ontario?
    You're covered for the same amount of dollars that they would pay for services in Ontario. Get ready to pay a hell of a lot more than that in the US.

  3. #3
    Light Load Member
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    You're covered for the same amount of dollars that they would pay for services in Ontario. Get ready to pay a hell of a lot more than that in the US.
    OK, that makes sense, so I do need extra coverage, thanx for the info.

  4. #4
    Light Load Member liner's Avatar
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    Quote Originally Posted by blanks View Post
    OK, that makes sense, so I do need extra coverage, thanx for the info.
    Yes ,but even extra coverage will not always cover everything in the US.

    I had an incident in Texas many years ago where I needed a prescription,and when I filed the claim with the insurance company they refused to pay because they said the prescription could have been purchased in Ontario. Well Duh...if I'd have been in Ontario I would have done that.

    Needless to say I no longer use that company.

  5. #5
    Road Train Member canuck in da truck's Avatar
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    i had to hit an er in the us a few years ago---the bill was around 35oo --i had sk insurance --and sk figured there portion to pay was $25.00--thank god i had global ins--they bargained the bill down to $2800 with the hospital--and it was paid--of course then the hospital came after me for the remainder after --after agreeing for a 2800 payout---they are still waiting--and i think they will wait a lot longer

  6. #6
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    ya ok I definitely need this then.
    I'been driving for like 5 years without it and no employer has said #### to me, maybe they just ###-u-me or don't care.

    What kind of cost am I looking at, one ins. co. wants 57 dollars for a year another 90 dollars, does that sound boot right for a year? Emergency medical coverage.
    Last edited by blanks; 04.23.2011 at 12.18 PM.

  7. #7
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    Check with Blue Cross. You can do an online quote, or speak to someone.

    I did a quick quote for a 45-year-old person from Ontario.

    Total cost of this plan: $87.00

    15-day Annual Medical Plan: Unlimited number of 15-day trips per year

    Emergency Medical Care: up to $5,000,000

    Travel Assistance: included

    Medical Follow-up in Canada: up to 15 days after repatriation
    If you're crossing the border continuously, something like this is probably best, but you'll want to talk to the insurer just to be sure.
    Last edited by lostNfound; 04.23.2011 at 04.30 PM. Reason:: quote

  8. #8
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    Out-of-province coverage

    Link to OHIP webpage: Travelling Outside Canada
    The amount that OHIP pays is set by regulation. The amount paid for out-of-country health services is very limited and usually will not be sufficient to cover the full cost of the services rendered. OHIP covers only very limited amounts for hospital, health facility and physician services. You are strongly advised to purchase additional health insurance every time you leave Canada to cover any expenses in excess of the limited funding provided by OHIP. You should also ensure that you understand the amount of protection provided by your supplementary health insurance provider because the amount of coverage may vary significantly from one insurance carrier to another. You should also check with your supplementary health insurance provider to determine if there are restrictions relating to pre-existing health conditions if these health conditions were not disclosed at the time your policy was purchased.

  9. #9
    Road Train Member canuck in da truck's Avatar
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    you sure it isnt covered under your job bennies?--mine always was, with supplemental great west coverage

  10. #10
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    Quote Originally Posted by canuck in da truck View Post
    you sure it isnt covered under your job bennies?--mine always was, with supplemental great west coverage
    Lots of companies have cut benefits, or have pared them substantially. I'm surprised many trucking company owners even know how to spell benefits.

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