out of country health ins.

Discussion in 'Canadian Truckers Forum' started by blanks, Apr 23, 2011.

  1. blanks

    blanks Light Load Member

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    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: Apr 23, 2011
  2. Prairie Boy

    Prairie Boy Road Train 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.
     
  3. blanks

    blanks Light Load Member

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    OK, that makes sense, so I do need extra coverage, thanx for the info.
     
  4. liner

    liner Light Load Member

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    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. canuck in da truck

    canuck in da truck Road Train Member

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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. blanks

    blanks Light Load Member

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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: Apr 23, 2011
  7. lostNfound

    lostNfound Road Train Member

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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.

    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: Apr 23, 2011
  8. lostNfound

    lostNfound Road Train Member

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    Out-of-province coverage

    Link to OHIP webpage: Travelling Outside Canada
     
  9. canuck in da truck

    canuck in da truck Road Train Member

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    you sure it isnt covered under your job bennies?--mine always was, with supplemental great west coverage
     
  10. lostNfound

    lostNfound Road Train Member

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    Lots of companies have cut benefits, or have pared them substantially. I'm surprised many trucking company owners even know how to spell benefits.
     
    canuck in da truck Thanks this.