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Some of the pet stores have a monthly plan. I wish you the best my dear friend and hope you love it there.
posted by
Annicita
on August 10, 2021 at 5:25 PM
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Yes nothing is easy, It is hard work negotiating stuff on ones own. I would try and get some advice, I note that a kind lady has shown you one way of proceeding.
If one has to pay for medicine here one has the choice to pay a lump sum at times which does lower the cost. Do try and not get stressed out, it will all work out in the long run.
posted by
C_C_T
on August 6, 2021 at 6:33 AM
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I've had some times where I have overslept. It's always shocking to me when I do that...I wish you well navigating the healthcare situation.
posted by
FormerStudentIntern
on August 6, 2021 at 5:27 AM
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Listen to your body
I looked up some info on medical insurance for Canadians living in the US
If you are a Canadian, here in the United States, and intending to stay permanently, then a short-term medical plan is likely the best option for you.
A short-term medical plan can offer the services needed for coverage while you wait for processing your green card or citizenship. Upon approval, you can then pivot to a major medical plan or purchase a plan off the health exchange.
Additionally, you can add supplemental coverage. Supplemental coverage does not have the same pre-existing condition limitation as short-term medical insurance. Sure, it usually has the “12-month look-back/12-month look forward” provision. But there is no renewal period as with short-term medical insurance.
Why not travel medical insurance?
Technically, you are not a visitor, right? You are intending to stay long-term. I am always leery when Canadians select travel medical coverage or visitor health insurance when their intention is to stay in the USA long-term. I feel that gives the carrier a reason to deny a claim.
Canadians Living In The US Undocumented
If you are here in the US undocumented (i.e. not lawfully present in the US on a VISA or another legal document), your choices are limited.
You won’t be eligible for travel medical / visitor medical insurance because you need to be lawfully present in the US. That means having a valid VISA.
Many short-term carriers allow health insurance for undocumented immigrants, including Canadians, living here in the USA.
Again, short-term medical is not perfect, but it will protect you from the cost of unexpected illnesses and accidents.
Moreover, adding supplemental coverage gives peace-of-mind. We discuss this next.
Supplemental Health Insurance For Canadians In The USA
The lack of coverage for pre-existing conditions is a major drawback for travel medical insurance and short-term medical insurance.
Both visitor insurance and short-term medical insurance leave you exposed to other gaps in service. For example, neither insurance covers preventative care like a physical exam or immunizations like flu shots.
Thankfully, there is supplemental health insurance that will cover these gaps.
FYI – if you are here in the US, just visiting, you probably don’t need any of the insurances we are going to present.
However, if you are a Canadian here in the USA with the intention of living here long-term, then these supplemental health insurances will prove invaluable and worth the cost.
Remember, short-term medical has the pre-existing condition clause. So do many of these insurances. However, after the 12 month “waiting period”, the plan covers pre-existing conditions going forward. They don’t “renew” like short-term medical insurance.
Additionally, they don’t coordinate with your short-term medical insurance. That means they pay separately.
These insurances can prove invaluable for deductible, copays, coinsurance and long-term protection.
Here are some supplemental health insurances. Note: availability depends on state law and carrier requirements.
e US.
posted by
skye08
on August 5, 2021 at 11:27 PM
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It would seem that your body is telling you it needs the time off that sleep gives it. You've been through so much the past couple of years, it's no wonder!
posted by
Ciel
on August 5, 2021 at 10:12 PM
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Ups and downs - that's how it goes at this time of year, and with all
that's had to be done recently. Tomorrow will be better.
posted by
Pat_B
on August 5, 2021 at 4:49 PM
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Good evening
I have high hopes that everything will be better for you by tomorrow. We all have "those" days. Have a good night.
posted by
Sherri_G
on August 5, 2021 at 3:39 PM
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Good Evening
Kabu, I hope you are doing good this evening! Take care!
posted by
Goldiec
on August 5, 2021 at 2:48 PM
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