Giving birth in Ontario - PR/Citizen's foreign wife.

[ihaveaquestion]

My wife is about to give birth in 4 months, but she is here in Toronto, ON as a visitor. Hence I wonder will my OHIP or other insurance cover the cost? If not, how much will it cost us and is there any way we can avoid the high cost of private hospital?

I'm currently a permanent resident and just finished citizenship test. We married a year ago and she moves to Canada 5 months ago. My wife is U.S. citizen and she does NOT work so that we forget to apply immigration for her. We are starting applying her immigration right now, but apparently she won't be able to get PR before our child come out.

Thank-you in advance!

 

[scylla]

Unfortunately she won't be covered by OHIP. Purchasing private insurance is also out since they don't cover pregnancies or deliveries. If she gives birth in Ontario, you will have to pay for all costs out of pocket.

I would budget around $10K to be safe if you want a hospital birth. If there are significant complications that require longer hospitalization - then it could certainly be more. You can reduce your costs by several K by having a home birth superivsed by a mid-wife.

 

[JiyaCamerl]

OHIP does not cover such cases since the place of the event differs and this makes the liability risky as per the policies framed. I've had the same experience hence I think you should consult some concerned authorities for it.

 

[scylla]

OHIP does not cover such cases since the place of the event differs and this makes the liability risky as per the policies framed. I've had the same experience hence I think you should consult some concerned authorities for it.

Your post makes no sense and contains completely inaccurate information.

OHIP doesn't provide coverage in such cases because the woman is a visitor to Canada. That's the simple and only reason why. Visitors don't get OHIP.

There is no reason to consult an authority or waste money on a lawyer. This is a black and white rule.

 

[an74]

Your post makes no sense and contains completely inaccurate information.

OHIP doesn't provide coverage in such cases because the woman is a visitor to Canada. That's the simple and only reason why. Visitors don't get OHIP.

There is no reason to consult an authority or waste money on a lawyer. This is a black and white rule.

My wife is pregnant and we are moving to Calgary in Jun 13. We are expecting our Child in Aug 13. Is AHIP would cover us. Please also advise any good private insurance for the prescribed medicines.

 

[Leon]

My wife is pregnant and we are moving to Calgary in Jun 13. We are expecting our Child in Aug 13. Is AHIP would cover us. Please also advise any good private insurance for the prescribed medicines.

You say you are moving. Are you landing as a PR or are you moving from another province? If you are landing as a new PR, Alberta Health Care will cover you from day one. You can find info here: http://www.health.alberta.ca/AHCIP/moving-to-Alberta.html on how to register and they are called AHCIP, not AHIP.

If you are planning on getting a job, most employers offer a supplementary insurance plan for medication so you do not need to get one yourself.

 

[an74]

You say you are moving. Are you landing as a PR or are you moving from another province? If you are landing as a new PR, Alberta Health Care will cover you from day one. You can find info here: http://www.health.alberta.ca/AHCIP/moving-to-Alberta.html on how to register and they are called AHCIP, not AHIP.

If you are planning on getting a job, most employers offer a supplementary insurance plan for medication so you do not need to get one yourself.

thanks for quick reply and update, yes i am first time landing over there, and still don't have any job, I am afraid if its too expensive to get medicines with out insurance especially for my wife during birth

 

[Leon]

thanks for quick reply and update, yes i am first time landing over there, and still don't have any job, I am afraid if its too expensive to get medicines with out insurance especially for my wife during birth

Medication that is given to your wife in the hospital during birth will be covered by health care because everything you get in hospital is covered. It is only when you go to the doctor and get a prescription and then go to the pharmacy that you have to pay for your medication.

I do not know what medication you take but insurance companies are mostly in business to make a profit so because of that, they usually have a 3 month waiting period before insurance kicks in. You can therefore expect that after you arrive in Canada, even if you get insurance right away that you will still have to pay for your medication yourself for the first 3 months.