Go Back  British Expats > Living & Moving Abroad > Canada > Immigration & Citizenship (Canada)
Reload this Page >

Health Insurance in British Columbia

Health Insurance in British Columbia

Old Jul 18th 2005, 12:39 am
  #1  
Just Joined
Thread Starter
 
Joined: Sep 2004
Posts: 5
PeteInUK is an unknown quantity at this point
Default Health Insurance in British Columbia

Hello everyone,

I have read in other posts that a new immigrant will have to wait for a minimum of 3 months before applying for health cover(NHS equivalent), in most provinces. I presume it is the same in BC too. Please confirm.

How does one go about applying for this? Can it be done straightaway, or should the applicant wait for the 3 months to elapse. Once approved, do we get a card of some sort to prove eligibility when seeking medical care.

Being a family of 3, with a 3 year old child, I'm convinced that it is wise to have some basic cover for those initial 3 months. What is the average premium? Are there any companies anyone has used that they'd like to recommend.

Please share your experiences. Many thanks.
PeteInUK is offline  
Old Jul 18th 2005, 1:11 am
  #2  
BE Enthusiast
 
Joined: May 2004
Posts: 364
Redwings is an unknown quantity at this point
Default Re: Health Insurance in British Columbia

I am paying 108C$ for a family with 2 kids. You can go to this site for more information.

http://www.healthservices.gov.bc.ca/msp/


Originally Posted by PeteInUK
Hello everyone,

I have read in other posts that a new immigrant will have to wait for a minimum of 3 months before applying for health cover(NHS equivalent), in most provinces. I presume it is the same in BC too. Please confirm.

How does one go about applying for this? Can it be done straightaway, or should the applicant wait for the 3 months to elapse. Once approved, do we get a card of some sort to prove eligibility when seeking medical care.

Being a family of 3, with a 3 year old child, I'm convinced that it is wise to have some basic cover for those initial 3 months. What is the average premium? Are there any companies anyone has used that they'd like to recommend.

Please share your experiences. Many thanks.
Redwings is offline  
Old Jul 18th 2005, 2:09 am
  #3  
Just Joined
Thread Starter
 
Joined: Sep 2004
Posts: 5
PeteInUK is an unknown quantity at this point
Default Re: Health Insurance in British Columbia

Thank you for the info. It partly answers my need.

However, having browsed the MSP website, am I right in thinking that this is what every normal BC resident ought to do, i.e. those who are eligible. I presume, paying 108C$ for a family of 3 or more, is in a way similar to National Insurance contribution here in the UK. Correct me if I'm wrong.

However, for newcomers, it states that sufficient cover from a private insurance company must be arranged.

http://www.healthservices.gov.bc.ca/...ible.html#when

Therefore, reverting to the original question, I'd like to know of such private companies anyone has had dealings with. What sort of cover and what is the average premium. I suppose such a private cover would have to be terminated at the end of three months and the switch to MSP must be made.

Thanks in anticipation.
PeteInUK is offline  
Old Jul 18th 2005, 2:43 am
  #4  
BE Enthusiast
 
Joined: May 2004
Posts: 364
Redwings is an unknown quantity at this point
Default Re: Health Insurance in British Columbia

I am not familiar with your National Insurance in the UK. When we first came to BC we used Blue Cross Insurance for the first 3 months and switched to MSP but later on got Blue Cross extended health care. Check this out.

http://www.bluecross.ca/travelinsurance.html



Originally Posted by PeteInUK
Thank you for the info. It partly answers my need.

However, having browsed the MSP website, am I right in thinking that this is what every normal BC resident ought to do, i.e. those who are eligible. I presume, paying 108C$ for a family of 3 or more, is in a way similar to National Insurance contribution here in the UK. Correct me if I'm wrong.

However, for newcomers, it states that sufficient cover from a private insurance company must be arranged.

http://www.healthservices.gov.bc.ca/...ible.html#when

Therefore, reverting to the original question, I'd like to know of such private companies anyone has had dealings with. What sort of cover and what is the average premium. I suppose such a private cover would have to be terminated at the end of three months and the switch to MSP must be made.

Thanks in anticipation.
Redwings is offline  
Old Jul 18th 2005, 2:43 am
  #5  
Lotus-eater
 
Rich_007's Avatar
 
Joined: Jan 2004
Location: Cascadian Autonomous Elysian Region
Posts: 5,069
Rich_007 has a reputation beyond reputeRich_007 has a reputation beyond reputeRich_007 has a reputation beyond reputeRich_007 has a reputation beyond reputeRich_007 has a reputation beyond reputeRich_007 has a reputation beyond reputeRich_007 has a reputation beyond reputeRich_007 has a reputation beyond reputeRich_007 has a reputation beyond reputeRich_007 has a reputation beyond reputeRich_007 has a reputation beyond repute
Default Re: Health Insurance in British Columbia

Originally Posted by PeteInUK

Therefore, reverting to the original question, I'd like to know of such private companies anyone has had dealings with. What sort of cover and what is the average premium. I suppose such a private cover would have to be terminated at the end of three months and the switch to MSP must be made.

Thanks in anticipation.


We got good online quotes from Pacific Blue Cross (not sure of the weblink but google.ca will find it)...seemed to be fine for our needs anyway, all we need is the basics for three months just in case.

Employer is providing med & dental package for my wife + myself so not actually sure if they will set up an account with MSP and have us pay for first three months anyway, but it will work itself out.

Rich.

Urk, just seen earlier post above ref Blue Cross.
Rich_007 is offline  
Old Jul 18th 2005, 7:24 am
  #6  
Forum Regular
 
waitingforever's Avatar
 
Joined: Oct 2003
Location: Vancouver,BC
Posts: 58
waitingforever is an unknown quantity at this point
Default Re: Health Insurance in British Columbia

please get ur private insurance withing 5 days of landing in Canada. I was refused private insurance when I landed in Ontario. Fortunately I kept my US insurance and the US border was 5 min drive from my house. Most people dont have that option !
waitingforever is offline  
Old Jul 18th 2005, 11:02 pm
  #7  
Just Joined
Thread Starter
 
Joined: Sep 2004
Posts: 5
PeteInUK is an unknown quantity at this point
Default Re: Health Insurance in British Columbia

Many thanks, gentlemen.

I have noticed that the number of days one must get their private insurance upon landing tends to vary on province and insurance company as well. For instance, bluecross in BC allow upto 30 days, whereas in other provinces, as you have stated, one must acquire the private insurance within 5 days of landing.

Would this private insurance that we purchase in a province, e.g. BC, apply for the whole of Canada. What happens if during its validity, we move location, i.e. from one province to another. Would there be a need to purchase another one? Hope not!
PeteInUK is offline  
Old Jul 18th 2005, 11:39 pm
  #8  
Lotus-eater
 
Rich_007's Avatar
 
Joined: Jan 2004
Location: Cascadian Autonomous Elysian Region
Posts: 5,069
Rich_007 has a reputation beyond reputeRich_007 has a reputation beyond reputeRich_007 has a reputation beyond reputeRich_007 has a reputation beyond reputeRich_007 has a reputation beyond reputeRich_007 has a reputation beyond reputeRich_007 has a reputation beyond reputeRich_007 has a reputation beyond reputeRich_007 has a reputation beyond reputeRich_007 has a reputation beyond reputeRich_007 has a reputation beyond repute
Default Re: Health Insurance in British Columbia

Pacific Blue Cross covers whole of Canada, outside of that is like international travel insurance. So you are covered for bisits to AB, SK etc etc.

Not sure what would happen when/if you move province but guess PBC is only accessible to BC residents. It would be just like having to get your new provincial driving licence

FAQ's on website aren't much help, really. See below

http://www.pac.bluecross.ca/members/memfaq/mem_faq.html

Rich.

Last edited by Rich_007; Jul 18th 2005 at 11:49 pm.
Rich_007 is offline  

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Contact Us - Manage Preferences Archive - Advertising - Cookie Policy - Privacy Statement - Terms of Service - Your Privacy Choices -

Copyright © 2024 MH Sub I, LLC dba Internet Brands. All rights reserved. Use of this site indicates your consent to the Terms of Use.