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first obstacle - terminal illness ??

first obstacle - terminal illness ??

Old Mar 11th 2013, 11:22 pm
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Default first obstacle - terminal illness ??

Hi all,

apologies for my first post being such a grim subject

My wife and I are in the very very early stages of planning a move to Canada.

As the title suggests though, our first obstacle is to confirm our sons needs medically.

He has Cystic Fibrosis, hence the terminal illness title. Here in the UK his needs are met through the NHS, sometimes great and sometimes horrendous.

We are unsure if for eg the mountains of medication he sometimes needs and the numerous visits to Specialists would be covered through Canada's Healthcare system or would we have to purchase an expensive Healthcare insurance scheme to cover Hospital/Doctor/Medication bills

I have many many more questions but our sons Health issues will need to be addressed first.

many thanks for any advice

Glenn
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Old Mar 12th 2013, 12:50 am
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Default Re: first obstacle - terminal illness ??

Are you considering a TWP or going for PR

if TWP then you would need to check the rules for the particular province to see if you get provincial health coverage.

If PR , then you may well run into problems where your son is considered an " excessive demand" on the healthcare system and thus refused PR.

As much as I love Canada, I'd be brutally honest and say I'm not sure I'd bring a child with a terminal illness here. Financially you'd be a lot better of in the UK. I dread to think what you might up spending on prescriptions alone, even with health benefits.
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Old Mar 12th 2013, 2:02 am
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Default Re: first obstacle - terminal illness ??

zoe, thanks for the reply.

We aimed/hoped for PR, we have family in Toronto too

I kinda expected that answer but hoped it wouldnt be the case, ok, it gives a starting point of thought now

thanks again
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Old Mar 12th 2013, 2:11 am
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Default Re: first obstacle - terminal illness ??

if you are going for PR , this is not a DIY project then.
I would highly recommend you find an immigration expert who has dealt with excessive demand cases.

In Toronto , I'm sure your son would get exceptional medical care , we have amazing hospitals here but I'm not sure how much you'd end up paying in prescription costs alone.

Just to give you an idea, here you pay a dispensing fee ( set by the pharmacy, could be anything up to $15 or so) plus the cost of the drug. If you have health benefits through work then they may cover some of the cost.
For instance mine will pay $8 for the dispensing fee and 80% of the drug cost. I think there is a maximum that they'll pay out though. I have no idea what happens when you hit that limit.

I used to work with someone who had a son with CF, so I think I've a fair idea of the amount of medication you might be looking at. My wallet winces

Having said that I don't know if there are funding programs in place to help with situations like yours. As you say a lot of research is in order
this might be a good place to start

http://www.cysticfibrosistoronto.ca/

please let us know how you get on
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Old Mar 12th 2013, 2:13 am
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Default Re: first obstacle - terminal illness ??

You are right to be addressing your son's health issues first. Unless he is a Canadian citizen, you may find it difficult to move him to Canada. He will need to be assessed via a medical examination to determine if his health situation will place an excessive demand on the healthcare system.

Also, there is no such thing as "Canada's Healthcare system". Healthcare is the responsibility of the individual provinces and differs from province to province. So you need to research the healthcare plan in each province you are interested in.

Typically there is a waiting period before you are covered by the provincial health plan (e.g. OHIP in Ontario has a 3 month waiting period). Also dental and prescription drug coverage is typically not provided by the provincial plans. Many people have to rely on employer plans for dental and prescription coverage.

I wish you all the best.
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Old Mar 12th 2013, 2:25 am
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Default Re: first obstacle - terminal illness ??

Only hospital meds are covered by provincial health coverage. Any prescription drugs are going to come out of either work benefits, or your own pocket. Any plan you tried to purchase independently would exlude his pre existing condition I expect. Work related benefits tend not to do that.

I would suspect that he wont meet the medical criteria anyway, but that could be a blessing to be honest given the likely down side of moving here. As Zoe says, Canada has much to say in its favour, but I too am not sure I'd bring a child with a terminal illness here, the UK has a lot more support to offer.
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Old Mar 12th 2013, 8:50 am
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Default Re: first obstacle - terminal illness ??

If you did manage to gain PR, there is a drug program for suffers of CF living in Ontario.

The Special Drug Program covers 100% of the costs of medications.

http://www.health.gov.on.ca/en/publi...grams/sdp.aspx
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Old Mar 12th 2013, 8:56 am
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Default Re: first obstacle - terminal illness ??

Originally Posted by siouxie
If you did manage to gain PR, there is a drug program for suffers of CF living in Ontario.

The Special Drug Program covers 100% of the costs of medications.

http://www.health.gov.on.ca/en/publi...grams/sdp.aspx
Good to know.


Would that make a medical rejection even more likely due to the cost burden of the drugs that the province has a program to cover?

I remember there was someone whose child was rejected (and has a LIFETIME ban on entering!!!) because the kid was on a growth hormone program. I could never figure out why before, but perhaps its because those too appear to be covered by that program. Still, the lifetime ban on the kid is bobbins.

Last edited by iaink; Mar 12th 2013 at 9:02 am.
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Old Mar 12th 2013, 10:59 am
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Default Re: first obstacle - terminal illness ??

I was under the impression that, in Ontario at least, prescription charges are capped at 4% of your after-tax income. People with high prescription charges relative to their income join the 'Trillium Drug Program'. They pay prescription charges as per usual until they cumulatively hit 4% of after-tax income. When the annual limit is reached, it's $2 per prescription thereafter.

http://www.health.gov.on.ca/en/publi..._trillium.aspx

Thankfully I've never used it, nor do I know anyone who has. Perhaps there is someone on the forum who could confirm or deny whether it works as well as it sounds?
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Old Mar 12th 2013, 11:02 am
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Default Re: first obstacle - terminal illness ??

Originally Posted by iaink
I remember there was someone whose child was rejected (and has a LIFETIME ban on entering!!!) because the kid was on a growth hormone program. I could never figure out why before, but perhaps its because those too appear to be covered by that program. Still, the lifetime ban on the kid is bobbins.
Probably covered by the Trillium Drug Program (or equivalent outside Ontario), so very expensive to the Canadian taxpayer.

I agree that, under these circumstances, immigration isn't a DIY project. I wish you all the best.
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Old Mar 12th 2013, 11:19 am
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Default Re: first obstacle - terminal illness ??

Originally Posted by siouxie
If you did manage to gain PR, there is a drug program for suffers of CF living in Ontario.

The Special Drug Program covers 100% of the costs of medications.

http://www.health.gov.on.ca/en/publi...grams/sdp.aspx
My friends daughter has CF and whilst most of her meds are covered by this program some are not. For example last year her daughter needed some antibiotic therapy that cost a few thousand dollars. Luckily her partners benefits package covered this.
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Old Mar 12th 2013, 12:11 pm
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Default Re: first obstacle - terminal illness ??

Thankyou all so much for the helpful replies. I intend to speak with our own CF units and also check the site zoe so helpfully linked

I will report back, but at this rate I may only "emigrate" to a different Town in the UK lol
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