Pregnant and Uninsured, what are my options?

[on-hold]

I don't understand -- if you have private insurance, why don't you just use it in Toronto at the hospital where you want to give birth? Just because you can't buy private insurance in Canada doesn't mean you can't use it here.

 

[jomz]

I actually did read the entire thread. I believe in understanding but when you are going to write a post bashing my country or complaining that FOR PROFIT insurance companies won't insure you when you are already pregnant then I say good riddance and don't let the door hit you on the way out.

She has contributed nothing to our health care system so darn right she should have to pay her own medical costs. If an insurance company covered people that already knew about a big upcoming expense do you know what that does? Either it puts the company out of business OR raises the rates for everyone else.

She got pregnant, she clearly didn't investigate Outland vs Inland very thoroughly and all she does is point fingers and place blame on everyone else for her situation. How about a little personal responsibility? She doesn't want to pay for her baby delivery, she wants everyone else to! If she thinks America is so wonderful, easy to immigrate and work in and it takes care of its' citizen perhaps she should read a newspaper or watch the news. And if she still believes that then I hope she is very happy living there and my tax dollars are not supporting her.

oh you are one to talk really. Your post below from another thread. You pass your patriotic judgement but in reality you are the freeloader and you are the reason taxes are raised for Canadians who are working and contributing.

I am a full time student with no job. I also have two children from a previous relationship. I was approved to sponsor my husband

 

[MrsMal]

oh you are one to talk really. Your post below from another thread. You pass your patriotic judgement but in reality you are the freeloader and you are the reason taxes are raised for Canadians who are working and contributing.

Good catch, no job, 2 kids sponsoring husband but complaining about freeloaders. My husband works everyday and pays a ton of taxes, but we want to take advantage of the system by having our baby here, right. Some things are the same on both sides of the border, the people who complain about others taking handouts are usually the first ones to take one themselves.

 

[on-hold]

oh you are one to talk really. Your post below from another thread. You pass your patriotic judgement but in reality you are the freeloader and you are the reason taxes are raised for Canadians who are working and contributing.

Students aren't freeloaders; and neither are women who have children. Both those things are a normal part of society.

 

[MrsMal]

Students aren't freeloaders; and neither are women who have children. Both those things are a normal part of society.

Students aren't freeloaders and mothers aren't freeloaders, but unemployed students who have two children and are trying to sponsor a husband (who she would then be financially responsible for) is likely enjoying some level of support thanks to taxpayers and shouldn't be so quick to judge others who are trying to do what is best for their family.

 

[on-hold]

Students aren't freeloaders and mothers aren't freeloaders, but unemployed students who have two children and are trying to sponsor a husband (who she would then be financially responsible for) is likely enjoying some level of support thanks to taxpayers and shouldn't be so quick to judge others who are trying to do what is best for their family.

You still haven't explained why your privately-bought insurance won't let you deliver in Toronto?

 

[jomz]

Students aren't freeloaders; and neither are women who have children. Both those things are a normal part of society.

look at her comment "my tax dollars" Before one passes judgement, should stop and look in the mirror.

 

[Becki567]

You should know that the OP would be covered under Alberta Health Care in her situation.

And your "tax dollars" ? Are you working already or still unemployed taking grants from government to support your school and pay your children's benefits? Because if you are not working, than my dear it is my tax dollars that are supporting your lazy ass.

Before you pass judgements look in the mirror.

First of all I have worked and contributed to MY country for 17 years. After starting a business with my ex-husband (you know stimulating the economy and hiring Canadian workers), I stayed at home to raise my two children. I never took one bit of welfare because our business supported us just fine. When we got divorced I sold my share of then company, and lived off that for another two years until my youngest started school and I decided to go back to school and finish my Degree.

FYI- any student in Canada that has children under the age of 12 receives a $200 per month (during a semester) government grant. A grant is not welfare and I am fairly certain 17 years of taxes which included 11 years of business taxes (much higher) allow me as a born Canadian Citizen to a little government grant that is used to encourage people to continue their education even with children. You my dear are not paying for my schooling.

As for being lazy, I have two active children and go to school full time, I hardly have the time to be lazy.

Now since you enjoyed searching my previous posts perhaps you should search the OPs.

She was advised not to file her application until her passport name was updated to match her documents, she was advised she may not be able to travel back and forth and she sent in her application 3 weeks ago. She is hardly been waiting too long to switch to Outland.

And to the OP Canada does not sell private insurance because we have universal healthcare. If we did, pregnancy would be a pre-existing condition. I have no idea how much it costs to deliver a baby in a hospital but I imagine it is thousands. You really think an insurance company would sell you a policy for a few hundred bucks a month just to have to shell out thousands in 9 months time? That makes ZERO business sense and insurance agencies are businesses.

People on this board have listed pretty clearly your options. So put on your big girl panties and pick one. And next time do a little more research. If you had listened to the people who suggested you wait on your application a month ago you would not be in this position. If you don't want to pay for your baby delivery then file an Outland application. You've lost 3 weeks processing time and that will be well made up with a faster Outland application. Outland doesn't mean you can't come back to Canada, you simply don't risk having your application cancelled 9 months down the road

 

[Becki567]

Students aren't freeloaders and mothers aren't freeloaders, but unemployed students who have two children and are trying to sponsor a husband (who she would then be financially responsible for) is likely enjoying some level of support thanks to taxpayers and shouldn't be so quick to judge others who are trying to do what is best for their family.

My husband is working in Canada and has been for almost two years and as my above post mentions exactly what my grant is.

 

[Becki567]

Students aren't freeloaders and mothers aren't freeloaders, but unemployed students who have two children and are trying to sponsor a husband (who she would then be financially responsible for) is likely enjoying some level of support thanks to taxpayers and shouldn't be so quick to judge others who are trying to do what is best for their family.

LOL - Again, honey, if you had done some research you would know if I was being supported by taxpayers then I wouldn't qualify to sponsor my husband. Already approved. A $200 monthly grant for 8 months a year barely covers my water bill.

 

[MrsMal]

You still haven't explained why your privately-bought insurance won't let you deliver in Toronto?

There is a travel component of my plan for emergencies. So it may be covered for an emergency. But not necessarily since travel insurance generally doesn't cover delivery. Think about New Zealand couple that went into labor early in Vancouver and in spite of having travel insurance, BC gov't billed them over 700k. Also prenatal care is definitely not covered.

 

[jomz]

On the contrary, I am paying for it, from my tax dollars. What you contributed in the years of employment you have already used from services you would have received those 17 years. You are not contributing anything, thus people working now have been supporting your health care, grants, etc. My income tax alone is nearly $30K, therefore I am quite positive I am paying for quite of few like you.

Again, everyone makes mistakes, and maybe the OP was unaware how the system here works, this does not give you the right to rudely pass your judgements. As a human being we need to be compassionate and understanding towards one another, we all know that in the situation of the OP all we could give is advice, and help her the best we can with the knowledge we have. Is she frustrated, yes of course, but voicing frustration over a system that really is a little ridiculous in light that her husband is fully contributing is not a reason for us to attack anyone. Her husband works here, pays taxes, unfortunately in Ontario she is not covered, in the same situation in Alberta she would be fully covered by Alberta Health Care.

 

[MrsMal]

LOL - Again, honey, if you had done some research you would know if I was being supported by taxpayers then I wouldn't qualify to sponsor my husband. Already approved. A $200 monthly grant for 8 months a year barely covers my water bill.

Well your health insurance for you and your two children is being supported by tax payers, including my husband and in-laws. Your grant still comes from tax money. Where do you think the government gets the grant money from? My husband is a taxpayer and you once were, so don't get up here talking about freeloading and taking your tax dollars that you don't currently contribute. And deciding to proceed with my application without changing my name has no bearing on my current situation. You can continue to spout your theory on why insurance companies shouldn't sell coverage to people with pre-existing conditions, but they do. Clearly you know not of what you speak so quit while you are ahead. You remind of those backwards red states folks in my country who like to vote against social service programs that they benefit from (in your case government grants, free health insurance) because they are worried about "freeloaders." In hindsight I would have filed outland, but still that would mean no healthcare in Canada for this pregnancy. I can't speak for other provinces, but Ontario is recognizing that not offering health care to pregnant women to non-status immigrant women is a public health concern.

http://www.ryerson.ca/news/news/Research_News/20120330_handa.html

http://www.cfp.ca/content/58/7/725.full

http://www.ctvnews.ca/health/health-headlines/uninsured-refugees-denied-basic-health-care-in-canada-doctors-1.1336972

 

[Becki567]

On the contrary, I am paying for it, from my tax dollars. What you contributed in the years of employment you have already used from services you would have received those 17 years. You are not contributing anything, thus people working now have been supporting your health care, grants, etc. My income tax alone is nearly $30K, therefore I am quite positive I am paying for quite of few like you.

Again, everyone makes mistakes, and maybe the OP was unaware how the system here works, this does not give you the right to rudely pass your judgements. As a human being we need to be compassionate and understanding towards one another, we all know that in the situation of the OP all we could give is advice, and help her the best we can with the knowledge we have. Is she frustrated, yes of course, but voicing frustration over a system that really is a little ridiculous in light that her husband is fully contributing is not a reason for us to attack anyone. Her husband works here, pays taxes, unfortunately in Ontario she is not covered, in the same situation in Alberta she would be fully covered by Alberta Health Care.

I get prepaid each semester so every September 1st and January 1st I will be sure to thank you silently in my head. I am so happy you are supporting me. I am totally going for my MBA now so you can support me for another 2 years. ;D ;D ;D

I have been very compassionate to some members of the board... Just not the whiny entitled ones that want Canada to be responsible for an apparently 700k delivery bill. (but that amount seems astronomical so I am sure that is not accurate)

 

[MrsMal]

I get prepaid each semester so every September 1st and January 1st I will be sure to thank you silently in my head. I am so happy you are supporting me. I am totally going for my MBA now so you can support me for another 2 years. ;D ;D ;D

I have been very compassionate to some members of the board... Just not the whiny entitled ones that want Canada to be responsible for an apparently 700k delivery bill. (but that amount seems astronomical so I am sure that is not accurate)

Yes the figure was wrong, it was 1 Million unless the CBC lies

http://www.cbc.ca/news/canada/british-columbia/b-c-baby-costs-aussie-couple-1m-1.1197529

And I am so entitled, living off my husband who works 12 hour days and pays more than 40 percent of his earnings so people like you can afford the option of going to get a MBA. Pot meet Kettle