Why when I search for jobs in Montreal, companies offers health services?
My wife and me are aplicating to resident visa to Quebec. I had understood that all citizens/residents enjoy that benefit. Maybe the health services offered by the companies are private options?
Please, your help to understand.
Thank you.
Many companies offer a private "group insurance" plan, that provides additional coverage that would not normally be provided by the universal health care from the government. The cost per employee is usually a few dollars per paycheck, but offers peace of mind.
For example, my company has a private plan that offers:
Life Insurance
- Pays for your funeral and gives money to your surviving widow or children
Long Term Disability
- Pays you a salary if you cannot work for an extended period.
Visioncare
- Pays for new prescription glasses annually or bi-annually, up to certain amount of $$.
Drug Benefits
- Pays all or most of cost for prescription drugs that may not be covered by universal healthcare.
Dental Insurance
- Pays for cleaning, xrays, root canal, etc. which are not covered by the government.
Emergency services
- Pays for ambulance, wheelchair rental, crutches
Other services
- Rehabilitation fees, physiotherapy treatments, in-home nurse
- private or semi-private room, TV service in hospital
- hearing aids
- wigs for hair loss, such as for chemotherapy patients.
- hotel lodging and transportation related to treatment of an injury or disease.
All of the things I mentioned are not covered or only have limited coverage under the universal health care plan. But they are offered by private insurance companies through group plans at your work, if they are available.
You should consider a company that offers a "group insurance plan" as offering additional incentive and added benefit to working there. Keep in mind that MOST Canadian companies of 50 or more employees offer these plans, so it is not something exclusive. And some plans are better than others, such as covering 100% of medical expenses with a small deductible, instead of only 50-80% and a larger annual deductible per family member.
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It’s supplementary benefits, things such as glasses, dentistry and medications that are not covered by provincial healthcare.
References :
Hi from Montreal,
This is a good question. Yes health care services are free. All your treatment and even the drugs they give you. There is a drug insurance too for prescript drugs.
But extra services at the hospital like, parking lot, TV on your place, internet connection, they might be charged since they are optional. Also as it happened to a friend when he broke a leg he saw that he needed some body to help him at home. This is also not covered.
So private company will give you cover for these hospitalization time and some also for the care givers. On Quebec you will have a job insurance for the minimal after your probational period (About 3 months) but if you get hill for longueur from were it will come your revenues? Then for illness that take long time or critical ones there are also insurances.
You might also require a civil insurance that covers you whenever you cause an accident (not car since cars are all insured when you pay for your driving license) like forgetting something in the stove and burning your rental apartment.
Hospitalization is about 7 to 12 dollars and civil is about 12 dollars. It buys you a pace of mind. You’ll get a rebate for your wife. This should be arrange after you get a job and pass your trial period and you do your budget.
References :
I’m a residen you could check my blog with tips for immigrating to Montreal and Canada
http://travelimmigrationmontreal.blogspot.com/
Many companies offer a private "group insurance" plan, that provides additional coverage that would not normally be provided by the universal health care from the government. The cost per employee is usually a few dollars per paycheck, but offers peace of mind.
For example, my company has a private plan that offers:
Life Insurance
- Pays for your funeral and gives money to your surviving widow or children
Long Term Disability
- Pays you a salary if you cannot work for an extended period.
Visioncare
- Pays for new prescription glasses annually or bi-annually, up to certain amount of $$.
Drug Benefits
- Pays all or most of cost for prescription drugs that may not be covered by universal healthcare.
Dental Insurance
- Pays for cleaning, xrays, root canal, etc. which are not covered by the government.
Emergency services
- Pays for ambulance, wheelchair rental, crutches
Other services
- Rehabilitation fees, physiotherapy treatments, in-home nurse
- private or semi-private room, TV service in hospital
- hearing aids
- wigs for hair loss, such as for chemotherapy patients.
- hotel lodging and transportation related to treatment of an injury or disease.
All of the things I mentioned are not covered or only have limited coverage under the universal health care plan. But they are offered by private insurance companies through group plans at your work, if they are available.
You should consider a company that offers a "group insurance plan" as offering additional incentive and added benefit to working there. Keep in mind that MOST Canadian companies of 50 or more employees offer these plans, so it is not something exclusive. And some plans are better than others, such as covering 100% of medical expenses with a small deductible, instead of only 50-80% and a larger annual deductible per family member.
References :
Great West Life is a company that offers group insurance to many companies in the Quebec area. You can see some of what they offer on their website. The company you work for will customize the plan based on their needs to keep costs down.
http://www.greatwestlife.com/001/Home/Group_Products/Group_Benefits/index.htm
The health services you are referring to are supplemental health care services for things not covered by provincial health care. Examples include prescription drug or glasses coverage or dental and psychological services. The cost of those extra services comes out of your paycheque and, in some cases, is not an option.
References :