Insurance for pregnant women

Old Jul 18th 2005, 3:58 pm
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Default Insurance for pregnant women

I have learned, after landing, the health card will be effective after 3 months. Before that, the whole family will have to buy insurance. How much is the cost? If wife is pregnant, will the cost be much higher? Or maybe they don't even sell it if they know it? Anyone knows? Please help.
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Old Jul 19th 2005, 6:29 am
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Default Re: Insurance for pregnant women

Originally Posted by lipards
I have learned, after landing, the health card will be effective after 3 months. Before that, the whole family will have to buy insurance. How much is the cost? If wife is pregnant, will the cost be much higher? Or maybe they don't even sell it if they know it? Anyone knows? Please help.

It will be very difficult to obtain Insurance if your wife is already pregnant, Likely you will have to pay cash. In a normal hospital, if everything goes well you are probably looking at 3000-5000 CAD all in all, but if there are difficulties, god forbid.

we had our baby in canada (GTA) on a temp work permit in 2000. Being "purists" (crazy europeean treehuggers )we decided to go with a midwife instead of a doctor and learned something astonishing.

Midwifes in Ca will be with you on homebirths and will cooperate with the hospital as a backup if you register with the hospital before birth. This will give you a backup if homebirth gets too tough you can go to the hospital with your midwife, without having to go through ER.

Midwifery services are government funded and available for free to anyone (regardless of nationality or status even if you are not on OHIP) free of charge. So you would only pay the hospital if needed.

Only problem is you have to find a midwife to take you in so late in your pregnancy (may be difficult but it is worth the try)

For us this was the case 2000 you should check if it is still so.

Good luck
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Old Jul 19th 2005, 6:35 am
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Default Re: Insurance for pregnant women

Remember though that the child will be covered by OHIP from birth, its the mother thats the problem!

Complications (heaven forbid) for the child upon delivery should be covered by OHIP, complications for the mother will not.

I would recommend contacting the Canadian Life and Health insurance helpline to ask about coverage for a pregnant mother.

Otherwise Landing in Manitoba or one of the few other provinces with no wait time is a serious option?

Last edited by iaink; Jul 19th 2005 at 6:41 am.
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Old Jul 19th 2005, 8:29 am
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Default Re: Insurance for pregnant women

Originally Posted by iaink
Otherwise Landing in Manitoba or one of the few other provinces with no wait time is a serious option?
That may indeed work! If you land in a province that provides immediate coverage and sign up for the health plan there, and then move to Ontario, your previous health plan should cover you.

http://www.health.gov.on.ca/english/...faq_dt.html#Q2

"There may be a three-month waiting period for your OHIP coverage.

If you are a newcomer to Ontario, or a former resident returning here to live after being out of the country for more than seven months, the waiting period begins on the date you establish or re-establish residence in Ontario. You are also required to be present in Ontario for 153 days of the first 183 days immediately following the date residency is established in Ontario (you cannot be absent for more than 30 days during the first 6 months of residency).

If you are an eligible resident moving to Ontario from another part of Canada, the health insurance of your former province/territory will cover you for up to three months."

Can somebody confirm that???
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Old Jul 19th 2005, 9:06 am
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Default Re: Insurance for pregnant women

Originally Posted by canadian04
That may indeed work! If you land in a province that provides immediate coverage and sign up for the health plan there, and then move to Ontario, your previous health plan should cover you.

http://www.health.gov.on.ca/english/...faq_dt.html#Q2

"There may be a three-month waiting period for your OHIP coverage.

If you are a newcomer to Ontario, or a former resident returning here to live after being out of the country for more than seven months, the waiting period begins on the date you establish or re-establish residence in Ontario. You are also required to be present in Ontario for 153 days of the first 183 days immediately following the date residency is established in Ontario (you cannot be absent for more than 30 days during the first 6 months of residency).

If you are an eligible resident moving to Ontario from another part of Canada, the health insurance of your former province/territory will cover you for up to three months."

Can somebody confirm that???
Hmm hadnt thought of that. Timing might be tricky as manitoba health will cover you for the remainder of the month you leave plus two additional months, so it might not tie in with OHIP Dont know how practical it would be as it takes a while to get the card in Ontario and I guess Manitoba is the same? (although I guess you are covered without it as long as you have the number)

Theres probably some small print exception to it though for short term residencys of convenience, and practical considerations like minimum rental periods and the like might make it moe practical to just stay in Manitoba for a while...who knows, you might like it!
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