I also think this is how it works and why it's cheaper for Canadian snowbirds to get top up insurance for 6 months, say.
Because Canada already has a good health care system as a foundation, when a visitor is admitted to hospital in the US, the top up insurance will pay for the cost beyond Canada covers. Once the patient is stabalized after a few days (for argument sake), he/she will be flown back to Canada to receive care which is cheaper.
So the top up insurance company does NOT have to pay for extended period of stay in US hospital for double/ridiculous US hospital charges.
That's why top up insurance quoted me CAD$280-350/6 months (no pre ex conditions), and CAD$500-800/6 months with increased age (older), again no pre ex conditions.
This CAN'T be done in the US if you are Americans as you Americans will have to stay in the US hospitals no matter what, and get charged ridiculously, hence you pay US$17,000/year to get insurance. It's ridiculous to Canadians ...
Because Canada already has a good health care system as a foundation, when a visitor is admitted to hospital in the US, the top up insurance will pay for the cost beyond Canada covers. Once the patient is stabalized after a few days (for argument sake), he/she will be flown back to Canada to receive care which is cheaper.
So the top up insurance company does NOT have to pay for extended period of stay in US hospital for double/ridiculous US hospital charges.
That's why top up insurance quoted me CAD$280-350/6 months (no pre ex conditions), and CAD$500-800/6 months with increased age (older), again no pre ex conditions.
This CAN'T be done in the US if you are Americans as you Americans will have to stay in the US hospitals no matter what, and get charged ridiculously, hence you pay US$17,000/year to get insurance. It's ridiculous to Canadians ...