Finding a benefits advisor with expertise in the health care industry will be the first step.
You need someone to help you understand and navigate the health care system.
Being new to Canada, you'd appreciate working with someone, like Revolution, that can help you understand the ins and outs of the provincial health care system and how they each might affect your decision to purchase private insurance (i.e., group benefits). It is important to note that health care in Canada is governed by each province individually and differences exist.
In Ontario for instance, there are various components of the system, with different roles played by the public and private sectors.
For example, our provincial health care plan (OHIP) covers a limited range of health services – it offers a great foundation, but is not as inclusive as private insurance.
Additionally, there is typically a waiting period before a new resident or worker in Canada becomes eligible to receive benefits. There are also residency requirements that must be met to maintain the provincial coverage.
Private coverage can fill the gaps – both in terms of time and coverage.
To ensure you are protected during the waiting period, purchasing private insurance for your emergency medical needs is a wise decision. Should you require emergency hospitalization for instance, private insurance would help cover the expense, which can range anywhere from $500 to $50,000 depending on the medical attention needed, urgency of the situation and condition treated.
This is just one example – the Revolution Benefits team can walk you through many more.
The good news is that there are various providers offering temporary health insurance to visitors and/or temporary residents in Canada.
So, talk to us. Let us help you plan intelligently for the possibilities you may encounter as a new resident in our wonderful country.