Health Insurance for Canadians in the USA
Health Insurance Options for Canadian Expats in the USA
Our company is contacted almost every day by Canadians living in the USA or about to live in the United States who are not eligible for local healthcare. More often than not, it is the parent of a student living in the USA who is calling us to find a high-quality expat health plan for their Canadian son or daughter. They all know the cost of medical care in the USA is extremely expensive – some expenses can easily reach into the hundreds of thousands.
For example, here are some sample medical conditions and the expected claims costs in USD:
- Pancreatic Cancer – $100K to $150K
- Valve Repair – $60K
- Complicated Pregnancy: Hundreds of thousands
- MS – $80K
- ICU Stay – Such a claim could be huge depending on the condition and length of stay.
That is why it makes sense for Canadians in the USA to purchase a global health plan if they are not eligible for local coverage on their own or through an employer. If a Canadian maintains provincial coverage and will be spending a few months in the USA, most will obtain emergency-only travel medical insurance from one of our Canadian suppliers, such as Tugo. However, if a Canadian becomes an expatriate in the USA by spending a lot of time living, retiring, or working there and is likely to lose their provincial medical coverage, an international health plan for the USA is vital.
Most Canadians are not aware of the true cost of their provincial medical plan because they pay little or nothing towards it as the costs are all paid by general tax revenue. We have all heard the stories of how expensive medical care is in the USA, especially in the news, where someone forgets to purchase travel medical insurance when travelling abroad.
If you are a Canadian expat in the USA and not eligible for local plans, then you will have to purchase an international health plan. Note that when you apply, you will be asked some medical questions, and you may be approved, denied, or excluded. Also, remember that individual expat health plans are not HIPAA-, COBRA-, or PPACA-compliant.
Most global health insurance plans for expats in the USA will offer inpatient care with options to add wellness, outpatient medical and evacuation insurance. Dental and vision care is also available. Some will choose a large deductible, but this is a personal choice. Most Americans are used to having very large deductibles and co-insurance, while the Canucks are not.
For more information, give us a call or email today as we are very experienced in covering expats around the world. The best plan we can offer expats in the USA is Cigna Global Health Options. You can even get a quote and apply online.
