In the US, you can pay your medical bills through your insurance company.
But in Canada, it can be difficult to know which company is providing coverage.
Here are the basics.
What is medical dental coverage?
The terms “medical dental” and “medical” are sometimes used interchangeably, but there are some important distinctions.
A medical dental plan is considered a health insurance plan and generally covers your medical expenses.
It does not include any other medical or dental expenses.
For example, your hospital or nursing home may cover some or all of your medical costs.
It is up to the medical company to determine how much to cover.
If you are covered by a medical dental insurer, your premium is generally calculated by multiplying your deductible by your out-of-pocket maximum (the amount of money you would spend on medical expenses).
The more expenses you have, the more expensive your plan will be.
However, if you don’t have a medical insurance plan, you should talk to your insurer to find out which plan offers coverage for your medical needs.
Medical dental coverage usually starts at $100, but some plans, including those of Blue Cross Blue Shield of Canada and Cigna, are offering a plan that includes a $50 deductible.
Other insurers may offer plans with a $10 deductible, $20 deductible, or a $20 co-payment.
A full list of dental plans can be found on the website of your insurance carrier.
Is my dental coverage included in my prescription drugs and hospitalization coverage?
If you have a prescription drug plan, your prescription drug coverage usually includes your out of pocket maximum for prescription drugs.
Your deductible is usually calculated by subtracting your total out- of pocket spending from your total cost of medications.
If your prescription drugs plan includes a co-pay, your co-pays are based on the amount of your out cost, not the total cost.
The amount of co- payments you have will determine your total prescription drug cost, which can be quite high.
Your plan may also include hospitalization plans for those who cannot afford hospitalization or who do not have health insurance.
When you visit a doctor, your insurance plan may require that you provide proof of your health before you can use your medications.
This will usually mean you provide a copy of your doctor’s certificate, a prescription, a copy or both of your prescriptions, a health card, or both.
Can I still use my prescription drug benefits if I switch to a health plan?
If your health insurance policy covers prescriptions for your medications, you may still use your prescription medication benefits when switching to a new plan.
If that plan is a health care provider, you will be covered for the cost of your prescription medications in the first 90 days of the plan.
Your medical insurance provider may then change your prescription prescription benefits, depending on the plan you sign up for.
For more information, visit www.healthcare.gc.ca.
Is there a penalty for switching to another health plan after I sign up?
You may be charged a fee if you switch to another plan after you sign on for a new prescription medication benefit.
The charge will be based on how much you spend each month on the medication, not on your out out-pocket amount.
This fee will vary based on your plan and the plan type.
For a full list, visit the website for your health plan.
How much will I be charged for a month of prescription medication?
The cost of a month’s prescriptions will depend on how many prescriptions you have and your deductible.
For most prescription medication plans, the total out cost will be the sum of your deductible and your co cost.
For certain plans, you are not charged for the total co cost but instead the cost to treat the drug.
For instance, you pay for your medication in full at your doctor, even if you have only one prescription.
If a doctor prescribes you two or more medications, your deductible will be split equally between them.
Your total co-cost will also be included in your total bill.
What if I have to pay more than the total deductible?
If the total amount you have to cover is more than your deductible, you might be able to get help paying your additional co-plan charges.
For your health coverage, you would pay a co insurer to cover your out in-pocket expenses and a deductible-to-co insurer for co-preferred insurance, which pays for the deductible.
However: you may not be able pay the additional co insuring costs directly; your out insurer may not have a co coverage plan, or you will have to get a new one; and you may have to repay the premium you paid before switching to the new plan