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Medical Insurance
jennemmer Posted: Thu Dec 15 16:53:35 2005 Post | Quote in Reply  
  I've just found out that I'm not going to be able to get onto the Lab health care plan when I move down to the US in January. I'm only under my father's plan until I turn 25 at the end of next month and because I am going to a Canadian school we have a medical plan but it only covers what are 'extras' in my country, prescriptions, eyeglasses and dental work (and even then it doesn't cover them out of Canada)

I'm looking into my other options an Holy F*#k is it expensive! I'm going to have to pay $1200 for the privilage of having to pay the first $2000 before they start chipping in 80% and they won't even cover the cost of having a yearly check up! That combined is almost a 5th of what I am going to make in a year.

What do people do? I can't exactly risk the cost in case I fall and break an arm...


 
zander83 Posted: Thu Dec 15 17:07:28 2005 Post | Quote in Reply  
  I just moved from Canada and i get my medical insurance through my employer. I pay $40 a month, my employer covers the rest. If you can't get health care through your employer(schools also have medical plans to cover there students... don't remember the name of it) then yes individual health insurance can often go into the $10000 a year for a family of 4. You can try some managed care plans they may be cheaper.


 
addi Posted: Thu Dec 15 17:47:26 2005 Post | Quote in Reply  
  suckaroni!

I'm no expert at all on your best options, Jenn. I just know that the entire Health Care coverage system is out of control here. Politians have been trying to do something about it for the past 2 decades, but so far all attempts have failed and the status quo continues (cries of "Socialism..Socialism!" from those with enough money to afford good coverage and political interest lobbyists).
My medical coverage has gone up 3 times over the past 2 years and it's getting more restrictive on where I can go, and what it covers. In essense I'm paying more for getting less.


 
Mouse Posted: Thu Dec 15 18:15:37 2005 Post | Quote in Reply  
  It's time to find a 'witch doctor' with a good rep. dear.
Or do what I do and just don't get insurance and hope that if something happens it kills you.

(Yes, I know I'm useless)


 
Mesh Posted: Thu Dec 15 18:20:05 2005 Post | Quote in Reply  
  Mouse said:
>
>Or do what I do and just don't get insurance and hope that if something happens it kills you.
>
>


Hey, I do that! My job only covers a very small amount of total costs as part of their "benefits".

I'd like to be of help, but I know little of the insurance system here, except that I don't want to pay so much for something I'd rarely use. I don't even go to the Doctors when I need to, anyways...


 
jennemmer Posted: Thu Dec 15 20:52:53 2005 Post | Quote in Reply  
  It seems a waste to spend so much money a year when I only ever go in for an annual check up. I am not a gambler by any stretch however, and being used to wide access to care it's hard to give up the notion of it being there if I need it. I like my security blanket I just had no idea it would cost so much.

I've since talked to other people who've moved between the two countries as students and other temporary employees and so I'm going to look into 'out of province' medical.

I really feel for all of you for whom this is a fact of life. Makes me curse my taxes less...


 



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