Health, including mental health, health card (OHIP), addictions, alternative health...
Private Insurance and OHIP
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danieljoseph Posts: 1
Posted On: 10/19/2015
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Hi , Here is my situation.
I have sponsored my wife ( internal sponsorship) and we got the file number in the first week of October,
her current status (Post graduate work permit) will expire on November 21st and we have applied for open work permit which we would get more then likely in December .
between that time how can i get coverage for my wife ?
she is 1 month pregnant .
could i get any assistance from OHIP or from private insurance ?.
Appreciate your assistance .
daniel
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Moderator Moderator Posts: 4142
Posted On: 10/20/2015
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Hello Daniel,
Thank you for sharing your situation and question with us.
We can understand that you would be interested in getting some information regarding this situation.
In terms of getting coverage from private insurance, unfortunately, most private health insurance companies and policies do not cover any pregnancy related costs since they consider this as a pre-existing condition.
According to the Canadian Life and Health Insurance Association (CLHIA), not all health related expenses will be covered with this private insurance. For example, pregnancy-related expenses may not be covered.
You may also find it helpful to read I am pregnant and don't have OHIP. What health care can I get?.
Here is an excerpt from this article,
"Having a baby without OHIP coverage can be a very expensive and stressful experience. If you do not have OHIP or other insurance coverage, hospitals can charge you what they want, including amounts above OHIP prices.
The hospital may ask for your financial information or how much money you have and set their fees based on that information. It is impossible to say definitively how much pregnancy services without OHIP will cost, as hospitals assess each case differently.
If you have private health insurance, your insurance company may pay for some of the costs. However, some insurance policies do not cover pregnancy-related costs."
You may also want to read our How much does it cost to get care from a midwife? article.
For more information regarding when she will be eligible for OHIP coverage, you may also want to contact the ServiceOntario INFOline here:
Toll-free: 1-888-376-5197, 416-314-5518 (Toronto only)
TTY toll-free: 1-800-387-5559
Core Hours: 8:30am - 5:00pm
I hope this information is helpful. Please let us know if you have further questions and if there is any follow up to your question/situation.
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Anna
Settlement.Org Content and Information/Referral Specialist, CIRS
Settlement.Org
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