amanda77

Could someone please explain to me what it means when you see a job and it has health care benefits? Is it like the english Bupa that you pay into? and what would happen if something happened to my hubby as if we go and be sponsered then i may not be able to work for 12 months will he be covered for health care? Not sure how that works in Canada any help would be great. Thanks

dbd33

In ON there is an NHS-like system but it doesn't cover dental, the cost of drugs, glasses, an astonishingly expensive list of things. A company healthcare plan covers some of these costs, how much depends on the plan. There's no private healthcare similar to BUPA here. Once legally resident the healthcare plan covers everyone, working or not, but, obviously, the company plan only covers (some) employees of the company, it probably also covers that person's family.

JonboyE

You need to be sure what is being offered. However, when a job includes benefits it usually means extended health and dental.

Sometimes these are fully funded by the employer but often the company will pay some and the employee pays some.

This insurance covers things like prescription drugs, paramedic services (e.g. chiropractor or physiotherapist), basic dental treatment and sometimes eye glasses that are not covered by provincial health care plans. Usually the insurance picks up most of the cost (75% or 80%) and you pay the balance. Again, usually these cover all family members of the empoyee.

There is no BUPA style insurance in Canada.

Every legal resident (but not visitor) of a province is covered by the provincial health care scheme (something like the NHS). In some provinces it is included in general taxes, in other provinces there are additional tax levies or premiums - but it is always free at the point of use.

Private clinics cover some medical and surgical procedures that are not covered under the Canada health Act, or are being paid for by third parties such as the Workers' Compensation Boards.

If you want fully fledged private treatment then head south of the border - but be prepared to pay!

fledermaus

Not so. In Ontario you must have, or be the spouse of someone with, a work permit for a named employer for employment of at least 6 months. So if you are married to a student and on an open work permit you are not eligible for OHIP.

http://www.health.gov.on.ca/english/...igibility.html

JonboyE

Good point. It is different in BC where international students are required to enroll in MSP.

fledermaus

In Ontario international students have to enroll in UHIP, it's included in the college fees and can get cover for spouses on that but no OHIP eligibility.

amanda77

Thanks all x