Birth
#1
Just Joined
Thread Starter
Joined: Mar 2014
Posts: 28
Birth
Hi myself and my wife will be moving to kelowna bc as soon as the sale of our home goes through. My wife is currently pregnant and will end up having the baby once we have arrived in kelowna. Can anyone shed any light as to the cost of having a baby in kelowna or at least does anyone know if our health insurance will cover it.
Many thanks
Mark
Many thanks
Mark
#2
BE Forum Addict
Joined: May 2011
Posts: 1,348
Re: Birth
Pretty sure it's covered under the provincial health insurance. I think that it's similar to Ontario though where you would automatically be covered for a hospital birth under OB care, but if you want a midwife, they're in short supply (they can assist you at home or in the hospital), although the cost of this is also covered. You can also hire a private birth assistant (doula) to supplement either of those, but they're not clinically trained, they can be a real godsend for emotional and practical support though, particularly if you don't have family around.
#3
Re: Birth
Hahha
Enjoy it - Regardless - babies are wonderful
#4
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Joined: May 2011
Posts: 1,348
Re: Birth
Haha! That's a really good point In the longer term, birth is the cheapest bit!
#5
Joined: Sep 2008
Posts: 12,830
Re: Birth
MSP starts after the balance of the month you arrivein plus 2 successive months, so you could be without medical coverage for up to 3 months. If you have to pay it could be very expensive, especially if there are any complications. Good job you are selling your house!
You may be able to get private coverage, but preexisting conditions are not usually covered. If you wait until the baby is born before moving, much easier in that regard, so long as one of you is a Canadian citizen. If not, you would have to sponsor it. The alternative is PAYG medical care for the first three months or move to AB where you are covered right away.
You may be able to get private coverage, but preexisting conditions are not usually covered. If you wait until the baby is born before moving, much easier in that regard, so long as one of you is a Canadian citizen. If not, you would have to sponsor it. The alternative is PAYG medical care for the first three months or move to AB where you are covered right away.
#6
Banned
Joined: Apr 2009
Location: SW Ontario
Posts: 19,879
Re: Birth
Pretty sure it's covered under the provincial health insurance. I think that it's similar to Ontario though where you would automatically be covered for a hospital birth under OB care, but if you want a midwife, they're in short supply (they can assist you at home or in the hospital), although the cost of this is also covered. You can also hire a private birth assistant (doula) to supplement either of those, but they're not clinically trained, they can be a real godsend for emotional and practical support though, particularly if you don't have family around.
For Ontario it's 3 months.
@ the OP - Once you qualify for healthcare, prenatal, birth and postnatal care would be covered. You will need health insurance for the period before you qualify.
More here: http://www.health.gov.bc.ca/msp/infoben/eligible.html
#7
Just Joined
Thread Starter
Joined: Mar 2014
Posts: 28
Re: Birth
Ok.....so if we had to pay ...what are the costs like......only want a rough figure so I can calculate it in before the move.
Many thanks
Mark
Many thanks
Mark
#8
Banned
Joined: Mar 2014
Posts: 97
Re: Birth
As already noted you are not covered when you arrive. As also noted, if you buy private coverage for the interim period, it may not cover a 'pre-existing condition' including pregnancy. Read more here:
https://www.google.ca/#q=immigrant+t...alth+insurance
In regards to a 'rough figure' if you were to pay for the delivery yourself, I would be very careful about thinking that way. Assuming it will be a simple birth with no major complications you could end up paying from $5k to $20k. Read here: http://www.david-cummings.com/docume...ital_rates.htm
But if there are complications, the cost can go through the roof. Read this nightmare: http://www.cbc.ca/news/canada/britis...e-1m-1.1197529
Bottom line. You need to be sure that you are insured when the baby is born.
https://www.google.ca/#q=immigrant+t...alth+insurance
In regards to a 'rough figure' if you were to pay for the delivery yourself, I would be very careful about thinking that way. Assuming it will be a simple birth with no major complications you could end up paying from $5k to $20k. Read here: http://www.david-cummings.com/docume...ital_rates.htm
But if there are complications, the cost can go through the roof. Read this nightmare: http://www.cbc.ca/news/canada/britis...e-1m-1.1197529
Bottom line. You need to be sure that you are insured when the baby is born.
#9
Joined: Sep 2008
Posts: 12,830
Re: Birth
As already noted you are not covered when you arrive. As also noted, if you buy private coverage for the interim period, it may not cover a 'pre-existing condition' including pregnancy. Read more here:
https://www.google.ca/#q=immigrant+t...alth+insurance
In regards to a 'rough figure' if you were to pay for the delivery yourself, I would be very careful about thinking that way. Assuming it will be a simple birth with no major complications you could end up paying from $5k to $20k. Read here: http://www.david-cummings.com/docume...ital_rates.htm
But if there are complications, the cost can go through the roof. Read this nightmare: http://www.cbc.ca/news/canada/britis...e-1m-1.1197529
Bottom line. You need to be sure that you are insured when the baby is born.
https://www.google.ca/#q=immigrant+t...alth+insurance
In regards to a 'rough figure' if you were to pay for the delivery yourself, I would be very careful about thinking that way. Assuming it will be a simple birth with no major complications you could end up paying from $5k to $20k. Read here: http://www.david-cummings.com/docume...ital_rates.htm
But if there are complications, the cost can go through the roof. Read this nightmare: http://www.cbc.ca/news/canada/britis...e-1m-1.1197529
Bottom line. You need to be sure that you are insured when the baby is born.
The nightmare article concerns a non resident couple, who could bail on the debt at any time with little or no repercussions. Residents of Canada racking up a huge bill can be hounded by collections agent, taken to court, lose pretty much everything. A colleague in the UK whose [uninsured] son was injured in a road accident in the US ended up selling their house to pay the bill.
Last edited by Aviator; Mar 15th 2014 at 4:18 pm.
#10
Just Joined
Thread Starter
Joined: Mar 2014
Posts: 28
Re: Birth
Thank you all so much...... so it could be possible to get insured....or not? Im still a bit confused
#15
Banned
Joined: Apr 2009
Location: SW Ontario
Posts: 19,879
Re: Birth
From the results I got when I googled this, I think you will find it impossible to find one that will cover the actual birth.
It's a shame you are not going to one of the Provinces who give health cover from day one.