We met our three-month mark, so I called up for prescription drug coverage, which is based on income.
The representative just asked for our social insurance number, medical care card number and 2006 U.S. income. She gave us our Pharmacare number right over the phone. I was quite surprised how easy it was.
But I didn't realize it wouldn't be very useful for us. The deductible is $1,500. After the deductible is met, the plan covers 70 percent of the cost of prescription drugs. After I've paid $2,000, the plan will cover 100 percent.
We don't even approach $1,500 by along shot, fortunately So it won't really help us.
I had a pretty good income in the United States. So it's understandable there would be a high deductible. This is an income-based plan.
I mean, there's no additional premium for prescription drugs, as it's part of our dirt-cheap $96 monthly premium for our healthcare coverage. That's $96 total for two of us. So we can't complain.
But I imagine it's a good plan for anyone who requires a lot of prescription drugs. And for low-income people, the deductible would be a lot lower.
So far, I still give Canada high marks on its medical care coverage. As I've said, the coverage will actually make it feasible for me to freelance.
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1 comment:
This mathematical revelation comes on a day when I just had to call the pharmacy to verify that my mother's latest drug bill is $600+ and that it was no typo.
It was, indeed, correct. Fortunately her deductibles kick in now for the new coverage year. But she is on Social Security, with no other income to speak of, and you never know how well our system has failed the American people until you've had to deal with the bills you get simply for growing older here.
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