US medical coverage for crossborder drivers.

All you cross border heroes, check your medical coverage for a medical assistance when you are in the USA. I recently had to drive to the hospital for a MINOR emergency in FL. They checked my blood pressure, took some blood for an analysis, and I got 2 pills pain killers. My bill was $2700 US!!!! I was there for less than 2hrs.
OHIP will pay only $50 CDN per incident!!! My company US insurance is for $5000 per occurrence only!!! So I was lucky!! But that amount is NOT enough as a day in a hospital could go easily to $25000 or more !!!! - depending on what had to be done.
And here is the kicker I didn't know about!!!
A US hospital will put a lien on your house in Canada for an unpaid medical bill!!!! - or any other asset for that matter!!!! So make sure you have an adequate coverage because US medical service is super expensive.

 

A full coverage insurance is the key. But, how many companies do pay it? Mine was a very big carrier in Canada. I suspect most drivers don't check the amounts until it is too late. You should go to your HR and ask how much you are insured for in case of a medical emergency? If less then $1 000 000 run! 2-3 weeks in a hospital with serious complications could easily add up to $500000 or more.

 

Ha, ha!! But, you could have just a broken leg.... Just make sure your name is not on the deed and she has a car big enough to fit the body!

 

And, that's the thing ! There is no 100% insurance out there. Every policy has its limit as in max. dollars per case. Carriers love interpreting everything in percentages, don't they?

 

I do quite a bit....

 

Anybody using NAL FirstChoice Disability and Out of Canada medical insurance?
I just got it and I am looking for reviews. Are they paying? Problems with claims?