| In Canada, you'll find that if you are a resident or | | | | Using personal Canadian health insurance isn't that |
| citizen, you qualify for government sponsored health | | | | complicated. It works like any other insurance plan. |
| care. There are certain things that can take too long, | | | | You'll be paying a monthly fee for the coverage and |
| or be too expensive, if you are waiting for your | | | | if or when you need it, you'll be responsible for |
| provincial health plan to kick in or if you aren't a | | | | paying a deductible, the first part of the cost. For |
| proper resident. For anyone who has recently moved | | | | example, if you have a deductible of $100, you'll be |
| to a new province, it can also take up to 3 months | | | | paying that amount and any further expenses will be |
| to get established and get your health benefits | | | | taken care of by the insurance company. |
| transferred over. In the meantime, you may have to | | | | Where to Find Canadian Health Insurance |
| pay for a simple visit to the doctor's office. | | | | If you are looking to create a more comprehensive |
| Extra health insurance is a good idea when most | | | | health care plan, you'll need to find an insurance |
| Canadian health care government sponsored | | | | company that offers what you need for a good |
| programs don't cover "extras" such as massage | | | | price. This means knowing what you actually need |
| therapy, chiropractic, and orthopedics. Homeopathic | | | | included. There's no reason to pay more than |
| treatments and visits are not covered either - | | | | necessary if you don't require certain things to be |
| including most "alternative medicine" options. | | | | covered, so look for a plan that suits you. |
| Why You Need Extra Health Insurance | | | | There are quite a few insurance companies that can |
| There are a number of common health issues that | | | | help you out with good policies and that can make it |
| simply aren't covered by standard provincial health | | | | tough to pick just one. A good way to go, in this |
| plans. Rather than pay full price for these, it is almost | | | | case, is with a website that offers comparisons of |
| always cheaper to opt for a monthly plan where you | | | | several insurance providers. |
| can pay a certain amount in order to get coverage | | | | You'll be able to see at a glance exactly which |
| for things not included in regular Canadian health | | | | services are suitable for you, according to price and |
| insurance. | | | | what they cover. At the very least, you'll want to |
| Some of the things that may not be included in your | | | | include a higher prescription limit and eye care. |
| provincial plan include the following: | | | | However it's important to note that there are other |
| - Dental work beyond basic cleaning | | | | options, as well. For example, you might want to look |
| - Chiropractic care | | | | at the "extras," such as massage therapy and |
| - Naturalpath or Homeopathic visits | | | | chiropractic care which isn't covered in Provincial |
| - Podiatrist and Orthotics | | | | health care programs . |
| Prescription drugs can become very expensive in | | | | Canadian health insurance provided by the |
| Canada if your Provincial Health Care Plan has a low | | | | government doesn't always give you what you need, |
| limit and your prescription isn't on the list of | | | | so you may want to consider getting your own |
| pharmaceuticals covered. For this reason alone, many | | | | personal insurance. This will afford the coverage |
| people opt for extra health insurance to make sure | | | | needed and can be far less costly than later having |
| they can afford these additional expenses. | | | | to pay out of pocket for health care that isn't |
| How It Works | | | | covered. |