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Posted date : Nov 13, 2017

Dear Bird Talk, There have been many questions regarding the wisdom of submitting a form 8840 to the IRS and it certainly makes sense to do this. Would you please provide clarification on two points? First, we are assuming that both my wife and I must submit separate forms. Is this correct? Second, can these […]

Posted date : Nov 13, 2017

Dear Bird Talk, With the new Canada/U.S. border-crossing procedures, the issue of days spent in the U.S. is becoming more and more troublesome for many of us. It recently occurred to me that if you have used up most of your 182 days’ entitlement and you are still in the U.S., and a medical problem […]

Posted date : Nov 13, 2017

Dear Bird Talk, I know you have received many letters regarding out-of-country medical expenses submitted to OHIP, but I thought your readers might be interested in my experience. On June1, 2005, I underwent coronary bypass surgery. When applying for out-of-country medical coverage for the following winter I took out a policy with Medipac with a […]

Posted date : Nov 13, 2017

Dear Sir, My wife and I winter in Arizona for health reasons, and this past winter I had bronchitis and was treated by a doctor, at a clinic, at a cost of $118 (US), approx. $192 (CDN). I have $1,000 deductible on my travel health insurance so I billed OHIP for the $118 (US) ($192 […]

Posted date : Nov 7, 2017

After reading about the 180-day maximum vehicle insurance coverage period when in the U.S. in the last CSA News issue, I also contacted my Certas/State Farm agent, who was unaware of the 180-day limit but was subsequently advised by HQ that this is indeed (and has been) an annual maximum. He claims that this is […]

Posted date : Nov 7, 2017

I recently read an article where a Canadian couple had to make a significant claim on their travel insurance. The insurance company then went after their in-province insurance company for a good portion of the claim. This reduced the total life claim available from the person’s normal health insurance. If the travel and health insurance […]

Posted date : Nov 7, 2017

Dear Bird Talk, I have a question that hopefully, you can answer. Why do insurance companies that provide outside-of-Canada health insurance have you pay a higher premium for health insurance if you have a change in medication, with higher or lower dose, and you are deemed unstable for 180 days and you are not covered […]

Posted date : Nov 7, 2017

Dear Bird Talk, In a previous answer, you stated that provinces should be happy to extend the number of days of out-of-country health-care coverage as this will reduce their health-care costs? Would you explain? Nancy McRae Charlottetown, PE Response: Ed: Every emergency operation and every doctor’s visit that happens outside of Canada is a medical […]

Posted date : Nov 7, 2017

Dear Bird Talk, My husband and I spend four months in Florida each winter. I have 62 days’ coverage through my Ontario Teachers Insurance Plan (OTIP) and top it up to 126 days with Medipac. Last winter was the first time in many years I actually had a medical problem while in Florida, but it […]

Posted date : Nov 7, 2017

Dear Bird Talk, We have been members of the CSA for a number of years & use Medipac as our out-of-country medical insurer. My question is, after reading about Don Kannon’s article from Williamstown, ON, in the latest CSA magazine, I am a bit confused about how he was able to return to Texas after […]