Kesmarc hyperbaric chamber fire

[SanJacMonument]

I knew a guy in college that was from Canada and although he was tall and loved basketball, he could only play non-contact sports like softball and volleyball. To play basketball was out of the question because it was not covered by the national insurance - it was cash only or a ridiculous sum to have the additional coverage. He could not coach or referee basketball either.

It’s a good lesson for we Americans who think a national healthcare system is a good idea. Just take a look at medical expenses and sports coverage clauses in Canada and other countries. It’s a big eye opener. Unless you have a friend or acquaintance or news story covering this issue, you may never know what national healthcare’s limits are and have been for years in other countries. No thanks!

[Coanteen]

[QUOTE=SanJacMonument;6154435]
I knew a guy in college that was from Canada and although he was tall and loved basketball, he could only play non-contact sports like softball and volleyball. To play basketball was out of the question because it was not covered by the national insurance - it was cash only or a ridiculous sum to have the additional coverage. He could not coach or referee basketball either.

It’s a good lesson for we Americans who think a national healthcare system is a good idea. Just take a look at medical expenses and sports coverage clauses in Canada and other countries. It’s a big eye opener. Unless you have a friend or acquaintance or news story covering this issue, you may never know what national healthcare’s limits are and have been for years in other countries. No thanks![/QUOTE]

Errr…wait, WHAT?
I have no idea what additional coverage this guy meant (you know, what you can buy for services not provided for free, like outpatient prescription drugs and chiropractic or whatever), but Canada’s national health care system

1. does not have sports exclusions;
2. does not have eligibility requirements at all besides residency/citizenship/certain types of work visas: it does not ask about pre-existing conditions or any dangerous activities you might participate in, etc.

Unless this is some kind of out-of-country insurance? Was the guy in the US at the time? Because, uhhh…people in Canada play contact sports all the time, and any doctor visits and in-hospital services (ER, imaging, surgeries) that result from injuries sustained in these sports are covered. But yes, if you’re traveling/living outside the country you should get supplemental coverage (which might have exclusions) since the national system only provides limited services while the person is outside of Canada.

[Alagirl]

Oh, and the privately bought insurance in the US…well… try to recoup cost from abroad from them if you want to. :lol:

it ain’t as easy.

I suppose a word of warning, get travel insurance when you leave home.

[Coanteen]

[QUOTE=Alagirl;6154485]
Oh, and the privately bought insurance in the US…well… try to recoup cost from abroad from them if you want to. :lol:

it ain’t as easy.

I suppose a word of warning, get travel insurance when you leave home.[/QUOTE]

Yeah, that. Travel insurance isn’t that expensive, and if that dude was in college in the US he was eligible for whatever the student health plan is.

I’m a Canadian in the US for school for 2 years, and I had the option of getting the student plan too (no contact sports exclusions WOOOO!). It’s pretty cheap compared to the out-of-country tuition; if you have enough moolah to go to the US for college, you can pay for the student health insurance (in fact you pretty much have to, or else provide proof of alternate coverage, so that story makes zero sense any way you take it).

[SanJacMonument]

The person I mentioned went to school here in Texas but was Canadian. Our student health care plan didn’t include medical insurance, only clinic fees.

[SanJacMonument]

Coanteen, I’m not an expert but a quick google search on several US college’s sites specifically encourage Canadian students to purchase additional medical insurance while in college in the US because Canadian insurance will only pay to stabilize a patient while in the states. You have to go back to Canada for medical treatment. I’m not sure who pays for the trip back to Canada.

I went to college in the late 80’s so maybe then, Canada covered non-contact sports injuries that occurred and treated in the US, and now, all sports are covered but only to stabilize a patient who would then somehow return to Canada for ‘free’ treatment.

[Coanteen]

[QUOTE=SanJacMonument;6154916]
Coanteen, I’m not an expert but a quick google search on several US college’s sites specifically encourage Canadian students to purchase additional medical insurance while in college in the US because Canadian insurance will only pay to stabilize a patient while in the states. You have to go back to Canada for medical treatment. I’m not sure who pays for the trip back to Canada.

I went to college in the late 80’s so maybe then, Canada covered non-contact sports injuries that occurred and treated in the US, and now, all sports are covered but only to stabilize a patient who would then somehow return to Canada for ‘free’ treatment.[/QUOTE]

Well yes, as I said, if he was living out of country of course he’d need supplemental insurance. That’s still true today.

Canada’s national plan will pay for some services (mostly of the “stabilize the acute emergency” kind) for its citizens abroad but there’s a cap on them (and given how much more the US charges for its medical services compared to Canada, in an emergency requiring ICU admission for ex it wouldn’t cover much), and yes, it will also require transportation back to Canada when the patient is stable - but so do many US plans, I’ve dealt with hospitalized US patients whose insurance was demanding they be transported home asap.

But it has nothing to do with sports exclusions or anything silly like that in the national plan, it’s just a general “if you’re gonna live outside Canada, get ye some insurance that specifically covers stuff outside Canada”. If buddy bought himself insurance that had basketball exclusions, that’s on him; that, or he chose not to get insurance and was just protecting himself from possible medical costs by choosing not to engage in contact sports.

[7HL]

Kesmarc should be picking up ALL costs, paying for ALL bills.

[Christa_P]

Post 188 reported as spam

[Christa_P]

Post 188 reported as spam. Old thread.

[hoopoe]

man this is a new and disgusting breed of spammer, lets call up a tragic thread to shill