Health system, insurance

Assurance Medicament pour résident temporaire

Écrit par pilou77

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Of pilou77

Hi all,

Is there a private insurance that covers medicamanets when one is resident with temporary work permits.

I can not accede al insurance from my employer and I have not the right to benefit from the drug insurance ...

Help

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Of Kaaz

why you can not adhere al insurance from your employer?

It seems to me that any temporary resident has an obligation to detain health insurance.

if there are companies that offer ...
I think Desjardins Financial Security are very good!
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Of Tartine

I also found in this case: not possible to be covered by the insurance of the employer as contract employee and not permanent.

In this case, either you take a private drug insurance yourself (I do not know if it is worth doing that, I have not tried) or you pay the fee to be covered by RAMQ for their drug coverage. Anyway you are obliged to be insured, and if you can not prove that you paid private insurance (eg. By your employer), you have to pay dues to the RAMQ. If I remember correctly, you have to give this kind of information in the tax return ... and the contribution that you pay the RAMQ is based on your income.
In addition, note well that to pay the insurance premium to the RAMQ drug through your tax return does not automatically entitle you to coverage, it is essential to register.

Will see the following link for more info: RAMQ - drug insurance

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Of petiboudange

Otherwise, if you want a private insurance seems to me that the blue cross in quebec offers jsutement drug coverage. But I'm not sure 100% against.

Personally, I'm with RAMQ

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Of Demetan

Can not be covered by the RAMQ drug plan when you are a temporary resident, as pilou77 ... This is at least what my boyfriend said (which has a visa Development). No choice of private insurance!

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Of Tartine



Yes, you're right, I forgot that part of the problem. In this case it only remains to shop private insurance ...

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Of pilou77

This is my big problem ... just a hand cross blue I do not know where to find a list of insurance that offer this kind of coverage ...

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Of nicdup
I'm in the same situation as your boyfriend. I asked desjardins Blue Cross and refuse me because I am not a permanent resident. How did your boyfriend? He found an insurance?
Is drug insurance is mandatory for temporary workers (because it would be the height required to make contributions at tax time and do not have the right to enjoy)?

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Of petiboudange

As temporary, you still have your vital card right? So you're theoretically covered by France and I think there are agreements between France and Quebec.
Also seems to me that depending on your visa, you are entitled to the RAMQ (eg as a student but not the PVT therefore must untangle all that). Perhaps by calling the RAMQ get more information.
Blue Cross and accepted the PVT before, and RP deficiency, but they had to change their system if you say that you do not. Call Sun Life Great Life andthe otherwise. I do not think Capital is a service trying medication but just in case. In short, trying all the insurance person.

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Of nicdup

Temporary as I do not have the carte vitale. I filled the formlaire SE .... I can not have the months of waiting. So I was removed from the CPAM day of my arrival in Canada. I am no longer covered by France.
I have the sun card but I am not entitled to insurance medicine in the RAMQ. I'm not a student or PVT. RAMQ told me to take a private drug. I do not yet contacted any since the first 2 (Desjardins and blue cross) told me that I could not have that I am not a permanent resident. I seek someone who is in the same situation and have found a solution (an insurer who wishes him well). I will try to contact the Sun Life and Great Life to see what happens. I hope I do not have any call (Every time, it must pass a lot of time from one department to have to explain several times that I am not a permanent resident).
Thank you for the advice.

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Of bencoudonc

There is something I do not quite understand. If you are not legally obliged to take out insurance, you can also just pay you the medication as and when you need it and if you need it ... This is not rocket science either, unless of course suffer from a chronic disease or something.

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Of avanti

I agree with you. I think we're less stressed, healthy side. This is less a fixation. It is ultimately probably an advantage ... have a health care system less efficient ....

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Of nicdup
Except that the drug insurance is mandatory (must I inquire again whether it is mandatory for temporary workers). and if you do not certify have purchased, you still finished at the payment of taxes without being able to benefit. So you pay 2 times.
In addition when you do not have insurance, you're paying each medication. It can even set you back less than insurance. Indeed. But when you have to pay for medicines that you are not able to pay you, how you doing. You do not need to have a chronic illness for that. You do not know what you reserve life. Health is not a game I want to play with my health as the Russian roulette.

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Of nicdup

Finally, after a new call to the RAMQ
when a temporary work permit, you are not required to have prescription insurance and we do not will contribute to drug insurance at tax time.
However, the private insurance in Canada do not offer drug coverage to temporary workers.
So if you are a temporary worker and you wish to have prescription insurance, make sure to France, or with a travel insurance is with an organization like the CFE. However, the CFE is expensive (100 € / month / person) because it covers among other consultations and hospitalizations. Excluding these are already covered by the sun card. So take the CFE only for drugs (not talking about the optical is only repaid a few euros) is not advantageous because it corresponds to the CPAM rates (65% of the reimbursement rate). Moral: If self-insure by paying full price for the drugs and hoping not to fall on expensive drugs (we do not know what life holds for us) while waiting to become a permanent resident and have the right to asurance drugs and other additional information provided by the employer.