Медстраховка на стоматологию в Манитобе
Медстраховка на стоматологию в Манитобе
Вот и назрел вопрос с походом к стоматологу... Мы с женой планируем самозанятость, поэтому на дополнительную страховку от работодателя не рассчитываем.
Жители Манитобы, подскажите, пожалуйста, кто знает, где, как и за сколько примерно можно приобрести страховку на пользование услугами стоматологов для постоянных резидентов Канады в Манитобе?
Интересно также ваше мнение и опыт, имеет ли смысл приобретать эту страховку, или выгоднее платить по факту оказанных услуг и закладывать на это определенный бюджет на год? Я имею ввиду обычные походы 2 раза в год к врачу: осмотр, гигиену, возможно пломбирование зуба или в крайнем случае каналов.
А также хотел спросить, нужно ли покупать страховку на детей или они идут бесплатно по манитобской программе медстрахования?
Жители Манитобы, подскажите, пожалуйста, кто знает, где, как и за сколько примерно можно приобрести страховку на пользование услугами стоматологов для постоянных резидентов Канады в Манитобе?
Интересно также ваше мнение и опыт, имеет ли смысл приобретать эту страховку, или выгоднее платить по факту оказанных услуг и закладывать на это определенный бюджет на год? Я имею ввиду обычные походы 2 раза в год к врачу: осмотр, гигиену, возможно пломбирование зуба или в крайнем случае каналов.
А также хотел спросить, нужно ли покупать страховку на детей или они идут бесплатно по манитобской программе медстрахования?
Re: Медстраховка на стоматологию в Манитобе
https://secure.lhplans.com/LH/Costco/St ... n=1&lang=E
не очень дорогая страховка в Костко, включает стоматологию, медикаменты и много чего другого.
Заполните свои данные и получите квоту.
не очень дорогая страховка в Костко, включает стоматологию, медикаменты и много чего другого.
Заполните свои данные и получите квоту.
Re: Медстраховка на стоматологию в Манитобе
Kette, спасибо большое! Квота - это цена страховки?
Re: Медстраховка на стоматологию в Манитобе
Да. Там есть 3 варианта из которых можно выбрать.
Re: Медстраховка на стоматологию в Манитобе
Еще раз спасибо!
Re: Медстраховка на стоматологию в Манитобе
Очень хорошие опции для сэлф-эмплойд есть и в Мордене. Я брал у BSI Insurance.
Специалиста по этим страховкам зовут Peter Pauls. Его мобильный 204-3627383.
Специалиста по этим страховкам зовут Peter Pauls. Его мобильный 204-3627383.
Re: Медстраховка на стоматологию в Манитобе
Atos, cпасибо огромное за информацию и контакт! Я кажется там страховал машину, это по-моему на Tornhill Str.
Вам кстати удалось уже попользовать зубную страховку, как впечатления?
Вам кстати удалось уже попользовать зубную страховку, как впечатления?
Re: Медстраховка на стоматологию в Манитобе
Мы уже пользовались и не раз. Все очень простою 80% платит страховая, 20- вы. Там еще много всякого покрывается кроме зубов.
Re: Медстраховка на стоматологию в Манитобе
Ребят, а вот отдельно только на стоматологию нет страховки? Ищу-ищу (( И напрягает 9 месяцев между посещениями. Это получается если мне зуб сделали, а через 2 месяца у меня еще один "полетел", то либо за свой счет либо только через 7 месяцев идти?
Re: Медстраховка на стоматологию в Манитобе
Выдержка из статьи, почему зубная страховка невыгодна для самозанятых
Glenn Cooke is a life insurance broker in Canada, and president of InsureCan Inc.
So why does everyone want dental insurance?
The answer is because many of us see this benefit as ‘free’. The employer pays for it so we don’t have to pay for that $120 cleaning – or even budget for it. Of course it’s not free. The employer is paying your dental costs + 20% in order for you to have this benefit. (the same is true for things like glasses, chiropractors, and similar coverages). So we’re conditioned to calling this insurance and thinking it’s for worst case scenarios. But again, since when is $120 every six months something we need to have insurance for?
To summarize my initial point – there’s nothing wrong with this type of coverage. But we as consumers should perceive this as a ‘benefit’ of working there, and not so much as insurance.
So what about worst case dental scenarios? Don’t we need insurance for those?
Sure. But what are those scenarios? I’m not a dentist, but unlike drugs, I don’t see a lot of risk in having $20,000 in dental claims, year after year. I personally don’t see the risk. I stand to be corrected, but if I run into a large dental claim, it’s likely to be seen as medical and treated under our provincial health care plan.
Like all insurance types, it pays to take a few minutes to inform yourself of what you’ve got in the way of benefits and what the limits are. The same is true for dental insurance. If you’ve got it for free at work, hey, snatch it up like it’s the last cookie. If you’re paying for it it might be worth doing some budgeting to find out what your actual dental costs are, what you figure your risk is for large dental claims, and see if budgeting for those costs is better than insurance. (The ability to do this points significantly to the catastrophic point I mentioned. You can’t ‘budget’ your way around replacing a $500,000 home if it should burn down tomorrow – that kind of thing we need insurance for.).
It’s also perhaps worth noting that in other countries such as the US, it’s not just prescription drug coverage that’s important – true health insurance is a must. While we Canadians are fortunate to have government health care, Americans can run into ------------ in costs just to have a baby, or $100,000 if they have a heart attack. There’s a huge need for insurance as a result.
I’ll close with a short story. When my wife became self-employed she lost her gold plated dental plan. She was bound and determined that we needed dental insurance. You know, EVERYONE has it. So we purchased dental insurance for two years. At the end of two years she added up our insurance costs vs our claims, and our costs were almost exactly 20% higher than our claims.
We no longer carry dental insurance – we budget for it. I’m prepared to pay for braces or other dental emergencies – your risk tolerance may be different but it is something I recommend you at least address.
Glenn Cooke is a life insurance broker in Canada, and president of InsureCan Inc. He maintains a health and dental insurance website at Health Insurance Brokers.ca.
Glenn Cooke is a life insurance broker in Canada, and president of InsureCan Inc.
So why does everyone want dental insurance?
The answer is because many of us see this benefit as ‘free’. The employer pays for it so we don’t have to pay for that $120 cleaning – or even budget for it. Of course it’s not free. The employer is paying your dental costs + 20% in order for you to have this benefit. (the same is true for things like glasses, chiropractors, and similar coverages). So we’re conditioned to calling this insurance and thinking it’s for worst case scenarios. But again, since when is $120 every six months something we need to have insurance for?
To summarize my initial point – there’s nothing wrong with this type of coverage. But we as consumers should perceive this as a ‘benefit’ of working there, and not so much as insurance.
So what about worst case dental scenarios? Don’t we need insurance for those?
Sure. But what are those scenarios? I’m not a dentist, but unlike drugs, I don’t see a lot of risk in having $20,000 in dental claims, year after year. I personally don’t see the risk. I stand to be corrected, but if I run into a large dental claim, it’s likely to be seen as medical and treated under our provincial health care plan.
Like all insurance types, it pays to take a few minutes to inform yourself of what you’ve got in the way of benefits and what the limits are. The same is true for dental insurance. If you’ve got it for free at work, hey, snatch it up like it’s the last cookie. If you’re paying for it it might be worth doing some budgeting to find out what your actual dental costs are, what you figure your risk is for large dental claims, and see if budgeting for those costs is better than insurance. (The ability to do this points significantly to the catastrophic point I mentioned. You can’t ‘budget’ your way around replacing a $500,000 home if it should burn down tomorrow – that kind of thing we need insurance for.).
It’s also perhaps worth noting that in other countries such as the US, it’s not just prescription drug coverage that’s important – true health insurance is a must. While we Canadians are fortunate to have government health care, Americans can run into ------------ in costs just to have a baby, or $100,000 if they have a heart attack. There’s a huge need for insurance as a result.
I’ll close with a short story. When my wife became self-employed she lost her gold plated dental plan. She was bound and determined that we needed dental insurance. You know, EVERYONE has it. So we purchased dental insurance for two years. At the end of two years she added up our insurance costs vs our claims, and our costs were almost exactly 20% higher than our claims.
We no longer carry dental insurance – we budget for it. I’m prepared to pay for braces or other dental emergencies – your risk tolerance may be different but it is something I recommend you at least address.
Glenn Cooke is a life insurance broker in Canada, and president of InsureCan Inc. He maintains a health and dental insurance website at Health Insurance Brokers.ca.