I am new in Toronto and i have no idea how does 'health insurance' in toronto work. Like how much money will i have to pay every month and i am looking for the one which has the eyeglasses insurance too. and where do i get registered for that
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Editing based on your clarifications: You already have OHIP, and you're looking for supplemental insurance for the other expenses. Try insurance brokers in the yellow pages, or follow the links from the Insurance Canada industry website that I provided. Make a list of what expenses you would want help with - dentistry? chiropractic and physiotherapy? glasses? hearing aids? private room in the hospital? prescription drugs? wheelchairs and accessibility renovations?, and try to estimate what you'd spend on those things in a year or five years if you were paying for them yourself. Keep that in mind when you get quotes from various insurance companies. (With this kind of insurance, you don't just pay the premiums; you'll probably also have to pay some kind of deductible each year, or there might be a maximum charge, or a certain percentage of your expenses that they would pay. Their application forms might ask you questions about your existing health conditions, so that they can decide what to charge you. Unless you have an employer paying part of the premiums for you, it is unlikely that you would save money buying supplemental health insurance. So buy it only for the really big things that you couldn't afford to pay for. -------------- leaving my first answer, as good general background: Have you lived in Ontario for more than three months? You are eligible for OHIP, the basic free health insurance program provided through the government, as soon as you've lived in the province for three months. Go through the questions on the first link to find out how to get a card. OHIP doesn't cover things like eyeglasses, dentistry, or prescription medication. Lots of private insurance companies sell *supplemental medical* insurance for those extra things. Your employer might have a plan which they would give you or let you pay for. If you're a student, your university or college probably has a supplemental medical package for students. Or if you want to buy that kind of insurance on your own rather than just paying for your glasses, dental work, and son on, you can shop around for various commercial insurance companies and pick the kinds of coverage you want.
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Tuesday, March 1, 2011
Health Insurance for an aspiring aerial artist?
I am a fit and healthy female in my twenties with no health insurance. It didn't really bother me before, but now I am seriously considering it because I am now training to be an aerial artist. With such a physically demanding aspiration, it would seem ridiculous to not be covered. The most obvious risks would be sprains, strains, pulled muscles, etc. So the real questions would be what kind of insurance should I get, with who, how can I keep it affordable, and will they charge more because of the risks involved with what I'm doing? Thanks in advance to anyone who may be able to help :)
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You can try ehealthinsurance.com. You can compare different plans and pick the best one. Get it before you start your career.
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You can try ehealthinsurance.com. You can compare different plans and pick the best one. Get it before you start your career.
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Can your health insurance company raise your rates after you get sick?
I've heard about pre-existing conditions and all, but what about getting seriously ill AFTER you have insurance? Let's say you're generally healthy, and already have heath insurance which you pay for yourself, at a reasonable rate. Then you get a long term illness, or get into a terrible accident, and need years of expensive care. Of course you keep your policy up to date... Can the company raise your rates by triple (or worse) if you get sick this way?
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99% of the time the answer is no they can't. Your medical bills are shared by everybody. That's why when people abuse the system it drives the cost of care up for everyone. So, the next time that you're in the emergency room bleeding and you see someone with a 'bad cough' then be angry at them. Emergency rooms are for emergencies and people that use them needlessly are abusing the system. Try this site, if you want to find your best or cheapest health insurance rates just in few minutes, http://cheap-health-insurance-rate.info Here you can get free quotes from different companies in your area, its the best way to find an affordable health insurance with a reliable company. Hope this help,
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99% of the time the answer is no they can't. Your medical bills are shared by everybody. That's why when people abuse the system it drives the cost of care up for everyone. So, the next time that you're in the emergency room bleeding and you see someone with a 'bad cough' then be angry at them. Emergency rooms are for emergencies and people that use them needlessly are abusing the system. Try this site, if you want to find your best or cheapest health insurance rates just in few minutes, http://cheap-health-insurance-rate.info Here you can get free quotes from different companies in your area, its the best way to find an affordable health insurance with a reliable company. Hope this help,
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Can your health insurance company raise your rates after you get sick?
I've heard about pre-existing conditions and all, but what about getting seriously ill AFTER you have insurance? Let's say you're generally healthy, and already have heath insurance which you pay for yourself, at a reasonable rate. Then you get a long term illness, or get into a terrible accident, and need years of expensive care. Of course you keep your policy up to date... Can the company raise your rates by triple (or worse) if you get sick this way?
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If you're covered by GROUP insurance (through your employer, for example), your rates will NOT be raised simply because you got sick or injured. Those rates are based upon the group and while they may go up each year, they will NOT go up specifically for you. However, if you have an individual policy, your rates could possibly be increased if you have an influx of claims. Unlike someone above me said, this is EXACTLY like car insurance. Your car insurance (which is an individual policy) is likely to go up if you have a large claim. Same thing is true of individual medical coverage. It's just a sad fact of life. When you're not part of a group plan, you are shouldering all the risk yourself. So if you incur a lot of charges, you may very well see an increase.
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If you're covered by GROUP insurance (through your employer, for example), your rates will NOT be raised simply because you got sick or injured. Those rates are based upon the group and while they may go up each year, they will NOT go up specifically for you. However, if you have an individual policy, your rates could possibly be increased if you have an influx of claims. Unlike someone above me said, this is EXACTLY like car insurance. Your car insurance (which is an individual policy) is likely to go up if you have a large claim. Same thing is true of individual medical coverage. It's just a sad fact of life. When you're not part of a group plan, you are shouldering all the risk yourself. So if you incur a lot of charges, you may very well see an increase.
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Health insurance covering insulin pump cost?
I am only 13 and i am pretty sure i have diabetes but dont want to find out unless i can have an omnipod wirless insulin pump. I know it seems kinda weird. We are on the military health insurance because my stepdad was in it. Does my health insuramce cover the cost for an insulin pump? NO RUDE ANSWERS!
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healthplans.my-age.net - here is my health insurance plan. As I remember they can provide such a service.
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healthplans.my-age.net - here is my health insurance plan. As I remember they can provide such a service.
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Is it mandatory at Univerisites that you have to have health insurance to go to the school or have a dorm?
Is this true or not ? what if the student has state health insurance rather than private insurance like kaiser ?
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It depends on the school, but in my state it is required. If you don't have your own (state or private is fine) then you have to pay for the university's insurance.
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It depends on the school, but in my state it is required. If you don't have your own (state or private is fine) then you have to pay for the university's insurance.
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What would happen to Laura Bush if she were part of the 48 million in the US without health insurance?
When I work 40 hours a week, how come I don't deserve health insurance? Is health a human right, or a luxury for the rich?
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You are too narrowly focused, the whole point is ALL POLITICIANS have lifetime benefits paid for by the taxpayers, this is why they havn't a clue about the problem, and it's an example of a question I asked on TERM LIMITS, if it might get people who understand the plight of the ordainary citizen in this country into office wher ethey can do something about OUR problems, not just THEIR problems. Sort of like we supply their transportation, and their tax return accountants, how can they udnerstand a tax code if they don't have to file or pay someone else to do their own? Or how much finding a place to live or purchasing a car really takes to finance these days? Maybe their homes should be confiscated by local governments and handed over to developers, then they might appreciate what happens to the "little guy" in this country. I believe TERM LIMITS will, if nothing else, distribute the wealth amongst a different bunch of theives every now and then.
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You are too narrowly focused, the whole point is ALL POLITICIANS have lifetime benefits paid for by the taxpayers, this is why they havn't a clue about the problem, and it's an example of a question I asked on TERM LIMITS, if it might get people who understand the plight of the ordainary citizen in this country into office wher ethey can do something about OUR problems, not just THEIR problems. Sort of like we supply their transportation, and their tax return accountants, how can they udnerstand a tax code if they don't have to file or pay someone else to do their own? Or how much finding a place to live or purchasing a car really takes to finance these days? Maybe their homes should be confiscated by local governments and handed over to developers, then they might appreciate what happens to the "little guy" in this country. I believe TERM LIMITS will, if nothing else, distribute the wealth amongst a different bunch of theives every now and then.
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