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Introduction to Health Insurance in Canada

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Introduction to Health Insurance in Canada

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Hello, Everyone & Welcome to my Wall. My topic of Health  Insurance is to inform Canadians of the Importance of  Health Insurance in Canada. Despite what everyone thinks, Health care is not free in Canada. You can expect to learn the importance private Health care insurance and the cost for all Canadians

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I Chose this video to show how similar your life is a game. Life is full of surprises; you never know what card your dealt with in life one false move and it's game over. Why not protect yourself, before something happens. Knowing your covered to endure the financial woes we are faced with will have you stress-free.

We spend years of avoiding the tooth that needs to be pulled or that cavity that needs to be filled all because of the expensive cost of dental work. Our health and our well-being are worth more than anything thing else. Become financially responsible today.

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Financial Services Commission of Ontario

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Video #2- Understanding Your Health Insurance Costs | Consumer Reports

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Video #2- Understanding Your Health Insurance Costs | Consumer Reports

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I chose this video to explain how the cost of health works. This video is to inform people where their money goes to when purchasing a health care plan. I learned the three main ideas you will need to know Deductible, Premiums, and Out-of-pocket maximum. Premiums are the payments you `will pay monthly when buying into health insurance. Premium help pays towards preventative care, but when you can’t pay directly for your care, your insurance will reimburse that fee. The deductible is the money you’ll have to pay before your insurance company will share the cost. When you reach a certain amount paying into your plan before the year is up, your insurance “Out-of-pocket-maximum” will pay the rest for that year.

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Understanding Your Health Insurance Costs | Consumer Reports

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Video #3- Travel Insurance Explained - Why you Need it and What to do in a Medical Emergency

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Video #3- Travel Insurance Explained - Why you Need it and What to do in a Medical Emergency

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This Video explains the types of other forms of health insurance and how travel insurance can help you during a medical emergency overseas or traveling. Having traveling insurance make sure you know exactly what your coverage covers and how much. Many of us don’t read the fine and think they covered through OHIP or on their card. This video gives you real-life scenarios to help you grasp the understanding of medical emergencies that can happen in a blink of an eye. Paying a small premium monthly can gives you a better piece of mind. It’s better to help prevent the high cost of hospital visits and stay safe while traveling.

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Travel Insurance Explained - Why you Need it and What to do in a Medical Emergency

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Video #4- Manulife FlexCare - Manulife Health & Dental Insurance Ontario

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Video #4- Manulife FlexCare - Manulife Health & Dental Insurance Ontario

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This video shows the health care that is not covered by your government health plan. I picked this video to show the types of questions people have when choosing the right coverage, you can receive with an insurance company. Some people don’t know they need extra coverage to ensure they are taking the preventive measure. You don't need to get coverage you will never use and get the additional help with the care that’s right for you and that fits your budget. In this video I learned about the “Follow me plan” Manulife has, if you get laid off or quit your job, you will still be covered.

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Manulife FlexCare - Manulife Health & Dental Insurance Ontario

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Website #1-Supplementary Health & Dental Insurance 101

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Website #1-Supplementary Health & Dental Insurance 101

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The reason why I picked this website was to show what is supplementary Health Insurance. Supplementary Health Insurance is an Extended health insurance plan used to cover different types of insurance like Vision care, Dental care, and prescription drugs. Prescription drug, medical exams, vaccinations, semi-private/private hospital rooms, massage therapy, chiropractors, etc, is not cover through OHIP so you will have to pay out of pocket for expensive drugs that cost a fortune. As of January 2018, prescription drugs are covered through OHIP to youth 24 and under. So, adding additional coverage will help with other health care that’s not covered under OHIP coverage.

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Supplementary Health and Dental Insurance 101: Getting Started

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What is Supplementary Health and Dental Insurance?

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I decided to use this website to show the average wait times in a hospital in Canada. Seeing how long it takes to see a physician can make you think about getting Hospitalization insurance. There is a wait time for the beds in the emergency room, to get a CT or MRI scan. Being aware of the wait time will make you more aware of the real-life experiences Canadians go through and the process it takes to recover. I learned It takes 4 hours for the average patient not admitted to staying overnight and 93% of patients on average are there for 8 hours for emergency visits.

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Provincial/territorial wait times initiatives and reporting - Canada.ca

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The primary responsibility for the administration and delivery of health care in Canada rests with provincial and territorial governments.

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I chose this website to help low-income Canadians get a better understanding of the cost of Health insurance and compare it to their family income. This website shows how affordable Health insurance, but the majority still cannot afford low monthly premiums. I learned even though OHIP claims health care is free 10% of low-income families without health insurance will still have to pay $496. Even for higher income earners, are still faced with paying out of pocket because they are misleading the public. What about the homeless Canadians, working the poor, or Native Indians who are still unable to afford these monthly premiums. Canada needs to re-evaluate the needs of low-income Canadians livelihood.

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Website #3- Blue Cross Insurance Coverage

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Website #3- Blue Cross Insurance Coverage

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I Chose the Blue Cross website to help others see how affordable Health Insurance really can be. Some people think health insurance is too costly when it can help yourself in the long run. Blue Cross has plans that can cover all your needs for people that are self-employed, recent immigrants, and small business. This applies to people 16-74. All plans are billed directly to your insurance. The website offers the option of receiving a free quote. Access to an assistant from registered nurses, home support after hospitalizations, and referrals to specialized physicians. They offer extended care plans, with help hospitalization benefits, vision care, dental, prescription drugs, travel insurance, specialist therapists.

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Health Insurance - Personal Insurance - Ontario Blue Cross

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Ontario Blue Cross is one of the most trusted health insurance providers in Canada. Ask for a free, no obligation quote.

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Image #1- Health Insurance foElderly Canadians

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Image #1- Health Insurance foElderly Canadians

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This image shows how the elderly are being cut off from their health insurance by the age of 65. The elderly or their families are faced with the financial burden of not having health insurance to protect them with chronic illnesses, more expensive prescription drugs and long-term care.

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I chose this image to show what’s covered under a private/extended care health plan. Drug coverage varies from all provinces. I learned some insurance companies cover the full cost of prescription drugs; while other companies only cover the cost of the lower generic prescription drugs.

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Post #12-  Health Insurance Questions Doc

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Post #12-  Health Insurance Questions Doc

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1. What did you learn about the topic that most surprised you?
2. Provide a real-life example of how this topic is relevant or interesting
for you.
3. If you could pass on your knowledge to a family member or friend, what
do you think is the most important thing to pass on?