In Canada, it’s easy to assume the health care system will take complete care of you should you be diagnosed with a form of cancer, regardless of your circumstances. Unfortunately, this is not the case, especially if your treatment plan calls for at-home care. Because health care plans differ across the country, it can be difficult to understand what exactly is (and, perhaps more importantly, isn’t) covered by your provincial plan. Luckily, planning ahead and investing in a private Blue Cross health insurance policy today can ensure you and your loved ones will be taken care of should you face a cancer diagnosis in the future.
Atlantic Canadians Face Steep Bills for At-Home Chemotherapy Treatment
In Atlantic Canada, patients prescribed at-home chemotherapy treatment to be taken in pill form are often shocked to discover these life-saving medications are not covered by their provincial health care plan. This differs from treatment that takes place in a hospital, which is completely covered. This also differs from patients located in western Canada. While those patients are completely covered and can begin at-home treatment almost immediately, Atlantic Canadians may face staggering deductible and copayment costs. Worse still, cancer doesn’t wait for you to decide how to pay for these treatments, or even if you can afford to pay for them.
So what are your options?
If your employer offers a group insurance plan, it can be a great help, but these plans only cover a portion of your costs and can have cap limits—meaning eventually the cost of treatment could fall back to you. Pharmacare is also an option for some Nova Scotians, but to qualify, you must meet certain requirements (which you can learn more about here).
Your Best Solution is a Blue Cross Health Insurance Plan
I always say that it’s better to have a health insurance plan you don’t need to use than to need a health insurance plan you don’t have. If you’re in good health today, it’s affordable to be covered by a Blue Cross health insurance plan that will provide peace of mind for whatever life throws your way.
For example, if you choose a Blue Cross health insurance plan with enhanced drug benefits, the cost of your medications is 80% covered. This coverage is increased to 100% after $4,500 in eligible claims per year. Furthermore, with enhanced drug coverage there’s no overall benefit maximum, meaning you’ll never be left on your own to cover costs and your maximum co-pay per prescription will never be more than $50.
Consider that a month’s worth of at-home chemotherapy drugs can cost over $10,000, and it becomes apparent that a plan such as this can be—quite literally—a life saver.
Blue Cross Health Insurance Allows You to Focus on Recovery, Not Finances
Cancer is a difficult subject to discuss, but it’s important that you have a plan in place should you be diagnosed and prescribed an at-home treatment plan. A Blue Cross health insurance plan will help ensure you have the coverage and support you need to focus on beating cancer and living a long, healthy life with your friends and family.
To learn more about Blue Cross health insurance plans, be sure to read my informative resource package, which includes a helpful brochure and at-a-glance pamphlet, as well as a Medavie Blue Cross application form. And as always, be sure to contact me with any health insurance questions you may have. I’m always happy to discuss the right options for you.