mdrejhon 8 #1 April 16, 2005 When I got my health benefits, was gonna cancel my independent health insurance. Or should I keep both? It'll mean I'll essentially have quite a lot of redundancy: - Canada Government Health Card (for basics) - Health benefits from my new job (extended, pays for meds and dental) - Paid independent health insurance (now redundant? meds and dental too.) Any opinions about whether or not I should cancel my paid health insurance, which is now kind of redundant? Now that I am going to start my PFF training, I wonder if it's safer if I should keep my paid health insurance, just in case I do something REALLY DUMB or the wind direction suddenly changes and slams me down. There must be some kind of benefit to being slightly over-insured, is there? Additionally, I guess I should confirm whether either extended health insurance covers extreme sports injuries such as skydiving. Opinions? Quote Share this post Link to post Share on other sites
bodypilot1 0 #2 April 16, 2005 Many insurance companies cover different things. Compare the coverage of the companies but dont leave yourself short of insurance. Insurance is good if you can afford it. If you don't have any, plan on owning NOTHING for a long time should you get hurt. Be safe. Edwww.WestCoastWingsuits.com www.PrecisionSkydiving.com Quote Share this post Link to post Share on other sites
Andrewwhyte 1 #3 April 16, 2005 As far as I know there is no such thing as a Canada Government health card. Do you mean an Ontario Health Insurance Program (OHIP) card? If you have that and a secondary insurance program from your employer, another secondary policy is almost certainly not worth the money. In Canada secondary insurance is for things like dental work, alternative therapy such as chiaropractic or massage therepy, drug bills not covered by medicare, and perks such as semi private rooms in the hospital. In the event you are faced with astronomical bills such as MS or Cancer, your OHIP will cover it, it is limitless coverage. There may be one or two things your private coverage covers that your other two does not, but it is unlikely to be worth the money. Quote Share this post Link to post Share on other sites
Andrewwhyte 1 #4 April 16, 2005 The only time I care about whether extended health care covers skydiving is when I am examining my out of country coverage. Quote Share this post Link to post Share on other sites
mdrejhon 8 #5 April 18, 2005 QuoteOntario Health Insurance Program (OHIP) card?Yes, Ontario Health. I meant "Ontario Government health card" ... which would essentially refer to the same thing, a slip. Yes, I'm a silly Canuck for that slip. Whoops! QuoteThe only time I care about whether extended health care covers skydiving is when I am examining my out of country coverage.Good point, I'll have to check on that, among other redundancies that there might be. Are sedodaries cumilative. I'm going to have to research this - i.e. if each insurance pays $1000 dental, and my dental ends up costing $1500, will both insurance add up to cover both. I'm not terribly familiar with my situation of having two simultaneous secondary insurance coverages, I'm just nervous of cancelling health insurance, especially as I start my PFF course... Quote Share this post Link to post Share on other sites
