Blog Entries With Tag: medical


Posted: Mar 29, 2014

If only money grew on trees

For some of us - who don't have either private or work medical coverage here in Canada for prescriptions we require - it can be tough to manage the budget between food / rent / and other things that we require to stay alive.

For example, in my case, even though I don't have pump coverage (in Quebec it is for under 18 only - and as long as you remain in the province after that age - you are covered) - my visits to doctors / hospital (ER) they are paid for through our provincial income taxes.  Of course, this is all based on your income.

Wait but currency grows on trees

The same applies for medical coverage in our province - it is all based on your income - and so far - since starting to research where I'll get my best bang for my buck based on cost of living (housing / rent is relatively cheaper here in Quebec than in Ontario which is "next door").  These are things you have to weigh out when having to survive on medications to keep you alive.  

Sadly, when attempting to find out what each province covers via the Canadian Diabetes Association (CDA) - I'm finding no information at all.  In away, this is something I thought they would have shown on their website - to help ALL Canadians figure out what is covered by each province.  Either I'm looking in the wrong place - but this is what lead me to post this blog - incase others are like myself - wondering about their best option for medical/prescription coverage for their diabetes health.

UPDATE: Thanks to Petronella Peach - she sent me this link from CDA - that shows what our provinces cover for diabetes prescriptions.  They're abit out of date (2011) - but better than nothing!

what Canadian funds looks like to a foreigner

Take for example, I move to Ontario (that has insulin pump coverage if I go back to it that is).  You have to pay for your prescriptions until you reach retirement age.  They do not have a similar medical plan like we do here in Quebec - which is a more socialist system similar to France. Ontarians of course - pay less in provincial taxes - so there goes the thinking cap of what works out better financially in the long run to maintain my diabetic health?  Paying out of your own pocket OR paying the province more in taxes to have your drugs covered.  Hmmmm, decisions, decisions. If only money grew on trees.

 

Current Drug Insurance Plan in Quebec

Above it the current public prescription drug in my province (for larger picture go to this link link

How does your own province/state/country compare to mine?  I'm curious - as I prepare to make a move after retirement to a new frontier - perhaps to the east coast (closer to the sea for sailing) - wait - maybe to France!

 

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Posted: Aug 17, 2009

Effective June 1, 2009 BC/BS Massachusetts has changed their CGMS policy.  It is a policy change.  It is NOT plan dependent.

They will cover (with doctor's recommendation) CGMS's without contortions for diabetics.  It is no longer dependent on the things like 1) seizures 2) passing out 3) ER visits 4) gastroparesis, etc.  They are covered period.

However, they are covered under durable medical equipment which tend to have a limit on them.  My old group PPO which is considered to be the cream of the crop and that I was paying $445 a month for had a $750 annual maximum - obviously not enough to pay for a CGMS or a pump.

The choices that I debated this time (as direct pay) were PPO/$1,000 deductible - $1,500 annual durable medical equipment max and the one I chose HMO Blue/$500 deductible - $750 annual durable medical equipment max.

So the good news is they changed the policy; the bad news is coverage is nominal at best. 

For those who have had their CGMS and pumps paid for/reimbursed, what category were they on your insurance plans?  What amount for the initial equipment?  What amount thereafter?

Doris

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