Canada Health Insurance For Newcomers

When arriving in Canada, one of the most important things a newcomer needs to do is acquire health insurance. In most provinces you will receive coverage as soon as you apply, but many immigrants do not realize that national health care is not always available on the first day they arrive. Provinces such as British Columbia, Ontario, Quebec and New Brunswick, require that immigrants wait at least three months before they are eligible to receive health plan benefits. After arriving in Canada it is important to apply for your health insurance card. If you are immigrating to a province that has a three month waiting period, you should purchase private, short-term health-care insurance.

If you reside in a province that does not require a three month waiting period, each member of your family must have their own health card. You can obtain an application form from the provincial health ministry office, hospital, doctor’s office, or a pharmacy. To apply for a health card, you will need your passport, Confirmation of Permanent Residence (IMM 5292) or birth certificate. Health care services will only be offered to people who have their own names on the health card that they provide. Immigrant organizations are available to help with filling with out application forms

If you are living in a province that requires a three month waiting period, you can purchase a private, short-term health-care insurance plan. Private health plans provide comprehensive coverage for a variety of health conditions and medical emergencies. There are plans that can be purchased before you arrive in Canada. If you purchase insurance from your originating country, read the policy carefully to make sure you are still covered once you arrive in Canada.

Canada’s national health care system does not cover dental care but there are private plans that will cover dental procedures. It is important to make sure your family members are also covered. Some insurance companies have stipulations for buying private health insurance that may include a standard deadline to apply for insurance after arriving in Canada. The cost of health care coverage depends on the insurance provider you choose, health history, the type of insurance package, and your age and your dependent’s ages. Some insurers may have specific conditions attached to particular insurance plans.

Most private health insurance plans include extended health care benefits such as prescription drugs, medical supplies, hearing aids, vision care, hospital rooms, and complementary health services such as chiropractic and registered massage therapy. They can also cover dental plans, disability income, critical illness coverage, travel insurance, and accidental death and dismemberment benefits.

For more information about obtaining private health insurance and different health plans private health insurers provide, you can contact the Consumer Assistance Centre of the Canadian Life and Health Insurance OmbudService (CLHIO). In Ontario, Settlement.org provides the Guide to Supplementary Health Insurance booklet that helps newcomers understand health insurance. The booklet is also helpful when newcomers are deciding which health plan will meet their needs. Settlement.org also provides a list of companies that provide private health insurance. Insurance brokers are an alternative to insurance companies. Because brokers represent several different health insurance companies and have access to different plans, they are often able to provide more choices and a better price.

Acquiring a health care plan is an essential part of settling in Canada. In case of an emergency, it is important to have the right health insurance plan that meets you and your family’s needs. With all of the new experiences waiting for you, having proper health care is one less issue that you and your family will have to worry about.

Full service insurance offers personal and corporate solutions. When looking for the best protection and information on Travel Insurance and Health Insurance Canada options.

Correcting Health Care Reform Lies

There are people who have a vested interest in keeping the American health care system broken. Those people are the health insurance industry execs who are making millions of dollars and the politicians they have bought off. These people have hired PR firms to spread lies about health care reform in order to scare everyday Americans into fighting against their own self interest (which is obviously for health care reform.) These are the people behind the orchestrated anti health care reform noise at the town hall meetings across America. This is nothing “grass roots” about that movement. It is a manipulation of uninformed people (many of these folks don’t even know that Medicare is government run health insurance) into fighting for the interests of the health insurance industry rather than for the American people.

If lies are left unchecked then they often become generally accepted by a large portion of the population. This is why it’s so important to reject each of these anti-health reform lies strongly. It’s important to let people know that when they repeat these lies they are simply parroting the fear mongering tactics of the health insurance industry which has no interest in health care, only in continuing to rake in huge profits (their profits actually went up by over 7 times from 2000 to 2007.)

“Rationing” is one of the biggest lies being spread about health care reform. These folks say that somehow having a government run health insurance option (“the public option”) will create some kind of “rationing” that doesn’t take place with our current system. The truth is that health care reform is designed to decrease the rationing that the health insurance industry currently takes part in! You see they make more money by denying your care.

The euthanasia lie is probably the most distasteful one being spread. What could be worse than telling people that the government is going to kill your grandma? This is the same kind of lie that right wingers told about Medicare when it was first introduced in the 1960s. They were full of it then, and they are full of it today. There is absolutely nothing to do with euthanasia or Sarah Palin’s fantasy “death panels” included in health reform. This is an entirely baseless lie. And a despicable one at that. Shouldn’t these people be called out for spreading such a disgusting lie? If they are willing to tell lies like this, why should anyone believe anything they say?

Another big lie is that health care reform will be expensive. What would really be expensive is not doing health care reform. Our current system is headed towards bankruptcy rather quickly. Health insurance premiums are going through the roof. A big part of what this reform is aimed at doing is controlling costs. In fact the economic reasons to implement a “public option” (or even better true “single payer” universal health care) are just as strong as the health reasons.

The final point I want to leave you with is to remember that the “public option” is just that. An option. It will not force people into a government run health insurance plan. If you want to stick with your private health insurance plan, that’s up to you. What the “public option” is designed to do is to create competition for the private health insurance industry so that they cannot continue to gouge their customers with skyrocketing premiums. And it’s designed to give an “option” for those who don’t trust the health insurance companies not to take away their health care.

Why wouldn’t you trust the insurance companies? Why would you? Did you know that there’s currently about a 50% chance that your private health insurance will be taken away from you, using any reason they can come up with, if you get really sick or injured and need significant coverage? They call that “cutting costs.” I call that criminal. What’s the point of having health insurance coverage if it can be taken away from you when you need it most?

George Kane thinks it’s important to note that Doctors Support Health Care Reform. It’s also good to remind people that health care reform is also essential for the US Economy’s Health. Kane supports Single Payer.

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Are We Talking About “Health Care” Reform, or “Sickness Care” Reform?

All the talk about “Health Care Reform” has certainly ignited a fire in countless Americans! Every national news and talk radio show is focused on this hot button topic recently.

The economic crisis is clearly the catalyst for the proposed sweeping changes in national “health” care. Scarce funds and resources, as well as a pending economic “collapse” (as some describe) are forcing us to consider how to manage health care in tough times… and in extreme circumstances.

We’re hearing terms like “rationed health care”, “socialized medicine”, “universal insurance” and the “value of human life”. It’s no wonder this subject has sparked such heated dialogue.

Spending the first 23 years of my life in “socialist” Canada, and still spending much time and energy in their medical system with both of my parents, I may have a different perspective from the sensationalized one being portrayed in media.

I’m perfectly willing to admit that I don’t understand all the politics and red tape involved. I simply have a memory of how things really played out in that system and countless experiences to call upon.

Growing up, I quite clearly recall paying out of pocket for many doctor’s and specialist’s visits, treatments and procedures, and paying a partial “co-pay” for the remaining forms of care: physical therapy, surgery, prescriptions, etc. Not exactly the picture I continue to see painted on the news.

Studying and working within the field of health and wellness for the past 18 years, I know I have a different perspective. First, I wish we’d quit calling this “health care”. The subject of this conversation is “sickness care”. I know I can’t change that, but it annoys me! Words are important.

I have no challenge with paying for – investing in – my own health. I will gladly invest in lifestyle choices that proactively build better health. Choices like: healthier foods, high quality nutritional supplements, pure water, exercise classes, equipment and tools, Chiropractic care, massage, less toxic personal care, household and lawn care products, and so on. I don’t expect a hand out for any of these things… although it would sure be nice! It’s just not realistic. My health and my family’s health is my responsibility.

If we continue to talk about sickness care as though it will somehow provide us with health, we’ll continue on our devastating trend of unparalleled rates of chronic illness in all age groups. We’re confused.

What drug, surgery, insurance plan or federal program could ever fix a problem due to a lack of fresh, healthy, whole, untainted (genetically required) real foods? Or a problem due to sedentary living and lack of regular (genetically required) movement? Or a problem due to a lack of healthy emotions like love and joy? Or a problem due to toxic thoughts and emotions like fear, worry, hate and hopelessness?

Thinking that national “health care” is responsible for our health is irresponsible on our part. It’s also foolish. Their paradigm is still the sickness paradigm. Why on earth would we expect them to deliver us health?

Do I think that we should have a system to help those in need achieve better health and receive sickness care when needed? Yes. But I sure would love to see the main focus of such a program be on “health”! I’m certain we’d spend FAR less on sickness care (and “health care” as a whole) if that were the case.

I’d also love to see the pharmaceutical industry focus on health rather than profits, and drugs only be used for life-saving endeavors… but I digress!

I’m blessed to live in a country with excellent sickness care options. In the case of emergency or trauma or life-saving procedures we have the best. In the case of “health care”… not so much! Sadly though, it’s all there. Everything we need in order to create ideal health is right here at our fingertips. As a culture, we just keep overlooking it and choosing sickness care, expecting health as the outcome.

Our paradigm is inaccurate.

As individuals, imagine if we all began to proactively take steps to create better health. We would no longer play the role of passive by-stander or helpless victim in this game. That’s where I think our focus needs to shift – why wait around to see what’s decided FOR us? Regardless of whatever decisions are made by this current administration, we can certainly become healthier one by one, family by family. Isn’t this the perfect, most necessary time to take responsibility for our own health and safety?

Science has clearly shown us that it’s our lifestyle choices – how we eat, how we move, how we sleep, how we respond to stress – that directly determine our level of health, function, performance and our ability to prevent and reverse chronic illness. Getting healthier means making more pure and sufficient choices while simultaneously reducing toxic and deficient choices. No one can do this for us but US.

When we shift to this responsible, proactive and accurate belief about health care, THEN we will have a truly beneficial health care reform and a profound strengthening of our economy!

Dr. Colleen Trombley (“Dr Mom Online”) is a leading expert in Natural Health & Wellness. Discover why the healthiest, busiest women turn to Dr. Mom for practical tips regarding healthy lifestyle, nutrition, fitness & exercise, diet & weight loss, raising healthy kids, effective stress management, and more. Request your FREE special report revealing Dr. Mom’s personal formula for success, “The Wellness Formula” at
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