> Can't use Canada as OHIP et. al. don't cover much and the same employer tied insurance scheme as in the US exists and is necessary
False. From what I know, only prescription drugs, dental, and vision are not covered. And since Americans frequently drive to Canada to buy prescription drugs, we can assume that's not as big a burden as in the US. But hospital stays, surgeries, lab testing, imaging, doctor visits, vaccines are all fully covered.
Fair enough, I guess I got carried away given the private insurance has to cover drugs, which would otherwise be covered by the provincial insurance (like OHIP), if you have it.
Private insurance also can cover a higher percentage, i.e. provincial plans do not always cover 100% of everything. Also, Health Care Spending accounts are in many cases part of private insurances and can be used to cover things that provincial plans do not cover at all (unapproved drugs et. al.)
And just for context … if medication is not covered and has to be paid out of pocket, the cost is generally under $100. Canadians don’t have $1000 medical costs
The first info about what's not covered for example is concerning diabetes. There's a limit to the number of test strips for example. I'm no diabetic, so I don't know if these numbers are "enough" or not but there is an actual limit. It also then states:
Syringes, lancets, glucometers and other diabetic supplies are not covered by the ODB program.
If you're a senior with "too much income" you also have co-pays/deductibles, meaning the coverage is less than 100% of the cost of the drug:
A single person aged 65 years or older with a yearly income above $25,000 after deductions pays:
the first $100 of total prescription costs each program year (August 1 to July 31 the following year)
this is called the deductible and is paid down when you fill your prescriptions
after paying the deductible, up to $6.11 for each prescription, filled or refilled
this amount is called the co-payment
I'll stop here but I'm sure this is both similar in other provinces and/or other limits may apply in specific cases.
Just to be clear: I'm not saying the OHIP / other Canadian insurance programs aren't great overall in comparison to the US. But neither they nor I suppose Germany's "full coverage" actually are in all real world cases.
False. From what I know, only prescription drugs, dental, and vision are not covered. And since Americans frequently drive to Canada to buy prescription drugs, we can assume that's not as big a burden as in the US. But hospital stays, surgeries, lab testing, imaging, doctor visits, vaccines are all fully covered.