Question for Canadian seniors

Thanks for speedy replies.

Yes, I am thinking about an insurance to cover
what our provincial plans will not.

In home care, transportation to facilities for treatment, etc.

While we are in pretty decent health and OK financially,
I realize that hiring a round the clock caregiver for instance, would be prohibitively expensive.

Like most of us, I would prefer to be in my own home
instead of an institution, no matter how great the ads make them sound!

I am reading this question to be about all insurance, especially, if you can stay in your home as opposed to being in a seniors residence.

At 72 I have many reasons to be paying close attention to the issue.

This will vary province to province. Health care may be national, but it is really delivered by the provinces.

Frankly, I'd rather not go to a seniors home! Got that.... ever.

It is well known that the actual $ are less for a person in their own home.

& the chat of politicians and health care managers, academics, etc. is getting closer to that goal----for all that much depends upon the individuals needs.

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In about 4 to 6 weeks I will need temporary operation recovery home care.

Then I also have plans to travel.

I know driving myself is pretty much this year, next year and the year after. After that I'll be 75. & insurance rates sky rocket, I'm told. & travel insurance outside of Canada gets higher faster.

I'd say scout around. I don't know at what point it's a good idea to consider moving provinces, be check what provinces say. I moved when I retired. Why? well, that reason for much of outmigration from Newfoundland - the cost of getting to and from there, i.e., not health. But that move may prove to have health benefits. Or the population density in relation to delivering home care may be very important to what a province is willing to do.

:C

Hi,

You do not wish to travel to USA without additional health care insurance. Costs can be astronomical. Without health insurance, surgical treatment of a broken leg typically costs $17,000 to $35,000 or more. For example, at the Kapiolani Medical Center in Hawaii, repair of an uncomplicated leg fracture[4] costs about $16,082, while repair of a complicated leg fracture[5] costs about $33,565, not including the surgeon's fee. A typical surgeon's fee could reach $2,000 or more, according to Carolina Orthopaedic Surgery Associates.

Probably no other place on the forum so I'll leave it here.

The only insurance that I am aware of would be travel insurance that would get you into a facility if something happened while away.

Here in Quebec such care as you describe is covered Medicare and is done through what we know as CLSC's, essentially community health services. They provide home services up to a point where a patient needs to go into a care facility.

... Eric