Even crossing the Niagara River to shop at Buffalo? What happens should you have an incident on the American side and end up in an American hospital?
There are often programs available. My husband wears hearing aids, and although the initial price is quite high, it gets knocked down through various rebates, some of which are income-dependent, others not. My BIL required some expensive chemo, but was told that although it wasn’t covered by OHIP, no one ever actually pays for it because of various programs, and it was indeed all covered. Do we have 100% coverage on 100% of medical costs? No, but there is assistance available, and it’s far better than uninsured people in the US have.
My VISA card has travel insurance for that, plus I have 60 days out of country insurance with Sunlife through work. My wife works for the TDSB, and she gets travel insurance at a discount after retirement.Even crossing the Niagara River to shop at Buffalo? What happens should you have an incident on the American side and end up in an American hospital?
Not really, almost any emergency event is covered.Even traveling within Canada (outside of Ontario) requires travel insurance. What's wrong with this picture?
What isn't universal about our coverage is distance and travel. When I lived in rural Northern Ontario, if you needed anything other than a GP, a dentist or an optometrist, you had to travel. And that was after waiting six months for an appointment. Even for kids' braces. We used to receive a travel grant to help offset the costs, but for some people it was a real hardship -- a day or two off work, gas or bus fare, meals and sometimes accommodation. Motels near hospitals offered discount rates which helped. There have been some improvements over the years with chemo offered in smaller, more local hospitals, and some diagnostic equipment like CT scans, but it can still be a struggle. I really noticed the difference when I moved to Toronto and had all of the medical services I needed close by and with relatively quick access.
I’m a Northeastern Ontario alumna. Thunder Bay was 12 hours awayNorthern Ontario will get a boost in this regard when the hospital in Kenora is replaced. That will bring the first MRI between T-Bay and Winnipeg. There will be other new/enhanced services as well.
Though there will still be many large gaps.
I’m a Northeastern Ontario alumna. Thunder Bay was 12 hours away
But even a 3 hour drive to Sudbury means a day off work
And then there is winter ...
Nothing is perfect, and it was just a way of life. I didn’t realize it was an issue until I came back down south.
Hearing aids are covered under the medical device program, up to 75%. However, the cap is something like $500 of coverage per hearing aid, and a typical set of hearing aids is closer to 2k.
For out patient cancer drugs, there is the Trillium Drug Benefit.
But the way its structured you still have to pay out of pocket, then get reimbursed. Its also sliding scale.
Suffice to say, our gaps are partially papered over, which is better than the situation for uninsured Americans or many poorly insured Americans, but it certainly isn't adequate.
Studies show 3.5M Canadians have difficulty filling prescriptions due to cost.
My point was merely these issues should be remedied completely, or at least much more completely before we discuss having OHIP cover the tab for travel insurance.