I am a Canadian but my wife is non-Canadian, can she avoid the giving birth cost

[bcrabbit]

Hi,

I am a Canadian (immigrant) and I married a woman who is not. She is currently pregnant and has no insurance (BC). Do we pay the cost of giving birth in the hospital? how to avoid the cost?

 

[steaky]

How about labour yourself or have a friend do it?

 

[bcrabbit]

How about labour yourself or have a friend do it?

I don’t know the policy. Any insurance cover because I have msp.

 

[YVR123]

I don’t know the policy. Any insurance cover because I have msp.

She has no insurance and what is her status in Canada? (visitor? worker? student? out of status?)
Assuming that she is not in the process of getting her PR via your sponsorship, the child birth (and check-up before) will not be covered.
After the child is born, the baby has MSP coverage. (not sure the process of adding him/her to your MSP plan)

 

[bcrabbit]

She has no insurance and what is her status in Canada? (visitor? worker? student? out of status?)
Assuming that she is not in the process of getting her PR via your sponsorship, the child birth (and check-up before) will not be covered.
After the child is born, the baby has MSP coverage. (not sure the process of adding him/her to your MSP plan)

She is applying PR via my sponsorship but we havn't submitted the application yet. So I do not think she will get the insurance soon. I am not sure what to do.

 

[YVR123]

She is applying PR via my sponsorship but we havn't submitted the application yet. So I do not think she will get the insurance soon. I am not sure what to do.

pay out of your pocket is the only option. Or if she has coverage at her home country, she can go back and give birth back home.

 

[canuck_in_uk]

She is applying PR via my sponsorship but we havn't submitted the application yet. So I do not think she will get the insurance soon. I am not sure what to do.

When is she due? When are you planning on applying for sponsorship? It really wasn't smart to get pregnant without coverage.

 

[steaky]

I don’t know the policy. Any insurance cover because I have msp.

You don't need insurance coverage if you or a friend can do the delivery... Hope it's not complicated.

 

[Steevy]

Hi,
I am a Canadian (immigrant) and I married a woman who is not. She is currently pregnant and has no insurance (BC). Do we pay the cost of giving birth in the hospital? how to avoid the cost?

As a visitor to Canada she is not eligible for the government health insurance coverage. In BC, generally, she must either be a work permit holder, international student or a permanent resident in order to be eligible for MSP coverage. Also, since she is already pregnant, private insurance will not cover her child birth or pre-natal care expenses.

The only thing I can think of to minimize the cost of childbirth (apart from doing it yourself or having someone you know do it) is to use midwife's services at a local birth center (or at home if they provide such service). You can search the web and contact local midwives for a quote.

 

[canuck_in_uk]

As a visitor to Canada she is not eligible for the government health insurance coverage. In BC, generally, she must either be a work permit holder, international student or a permanent resident in order to be eligible for MSP coverage. Also, since she is already pregnant, private insurance will not cover her child birth or pre-natal care expenses.

Not quite. A visitor who is being sponsored by their spouse can get MSP. https://www2.gov.bc.ca/assets/gov/h...t-for-permanent-resident-status-in-canada.pdf

 

[canuck78]

In the case will depend on how fast they can get their application in and paid for and whether MSP waives the up to 3 month wait period, wants to wait for AOR, etc. Seems like MSP doesn't have firm policies on the issue.

 

[canuck_in_uk]

In the case will depend on how fast they can get their application in and paid for and whether MSP waives the up to 3 month wait period, wants to wait for AOR, etc. Seems like MSP doesn't have firm policies on the issue.

They never waive the wait period.

 

[canuck78]

They never waive the wait period.

Ok waive might be the wrong term but it says that time spent in BC may be counted towards the up to 3 month wait period. Seems like situations are very individual.

 

[canuck_in_uk]

Ok waive might be the wrong term but it says that time spent in BC may be counted towards the up to 3 month wait period. Seems like situations are very individual.

Not sure what you mean. The person has to be in BC for the wait period to start.

 

[canuck78]

Based on what you posted MSP waives the up to 3 month wait period because they have been in Canada for many months. Seems like that is up the MSP worker.