CANADIANS HEALTH INSURANCE IN USA

Canada is one of the countries of the world with the best of healthcare system. For this reason, Canadian citizens most often are in acquaintance with receiving healthcare easily and without high costs in Canada. However, this may not be same when travelling to other countries as every country has a unique healthcare scheme or system. To this end and as a Canadian citizen who lives abroad, there is high need to make sure that you subscribe to the best health insurance scheme for maximum health coverage. All Canadian expatriates living abroad need Canadians Health Insurance in USA. And depending on the country they live, Canadian expatriates have the choice of:

Enrolling in a healthcare system funded by the government and benefit from public health insurance or buy private health insurance.

Most often, many Canadian expats prefer the option of buying private health insurance to avoid possible hitches with accessing public health systems, such as the language barrier as well as the long waiting times in the hospitals to see a Doctor.

However, Canadian citizens who are merely travelling abroad for just a vacation or temporary visit may only need travel health insurance for expatriates. In this article, we shall examine health insurance for Canadian expatriates in the USA

Canadian Health Insurance in USA  options

We shall hereunder discuss some of the few options of how you can get health insurance in the US as a Canadian expat and some of them include:

Private Health Insurance

This is the type of insurance policy that you buy yourself. This is most times necessary when your employer does not provide insurance cover for you. Here, there is serious need for carefulness so as to choose a policy that meets your health insurance needs.

Employer health insurance for Canadians in USA

This is the sort of health insurance provided by employers in the US. Most employers in the US provide health insurance to their employees. Therefore, if you have get a job in the US, the company’s policy may include health insurance for you and your immediate family members.

U.S. medicare

This is a plan available for Canadian expatriates in the US even if they do not have green card but have worked in the US for ten years and above. Therefore, one can qualify for Medicare even if you don’t have a Green Card but you or your partner has worked in the US for ten years and above. However, another qualification is that for one to benefit from medicare, you must also be 65 years old.

International health insurance.

This is health insurance plan available for Canadian expats in the US who does not want to purchase a private health insurance plan in the US. International health insurance policies cover you all year-round in one country. It also customizes your plan on the basis of your health needs.

Health Insurance for Canadian Students USA

There are also health insurance options for Canadian student in the US, some of these health insurance options are as follows:

School provided health insurance.

Most schools in the US have mandatory or optional health insurance plans for her international students. Therefore, you have to find out from your university and see what plans they provide. And whether you can get a modification if the plans they provide do not meet your health insurance needs.

Purchase an international policy.

This is one of the best options for Canadian expats who are students in the US. International health insurance scheme will cover you while studying in the US. This option is viable because healthcare in the US is too expensive, and medical services can cost too much for students especially international students. Therefore, with an international insurance plan, you can get health coverage for a specific amount of money and at an affordable premium.

Resort to Canadian health insurance.

This is most suitable for Canadian students who are studying n the US short term as they may still be covered by their Canadian health insurance plan. However, to be eligible for health insurance coverage outside Canada, you must spend at least 183 days out of the year in Canada and usually only provide coverage for emergency situations.

Health Insurance for Canadian Tourists in USA

There is also health insurance policy available for Canadian expatriates in the US short-term as a tourist. The kind of policy suitable is US travel insurance for visitors which provides the holder with medical coverage for emergencies, repatriation, and baggage coverage.

Cost of Health Insurance for Canadian Expatriates in the US

There are some factors that determine the cost of health insurance for Canadian expats in the US and some of these factors may include such as what kind of insurance you want, the amount of medical coverage you want, and how long the policy will be. On the average, the cost can range between hundreds to thousands of dollars depending on the factors listed above.

Benefits of Canadian health insurance in USA 

There are several benefits that come with having health insurance as an expat while outside Canada. One of the benefits is that you enjoy coverage for most medical cases and thereby saves you from paying large amounts of money for medical care out of your pocket.

On the second note, it provides you with access to private hospitals and experience shorter waiting times as well as elimination of language barriers.

To this end, we can see that Canadians health insurance in USA is very important and should be subscribed to.