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I am travelling to Canada next year to study there for a year. One of my biggest worries is that I will have another big flare of my lupus and that my insurance won't cover it. I am with Karma insurance as they were recommended to me by someone and they accepted me with my lupus with only around £40 premium. I am on cell cept and have heard that is very expensive. I don't want to have to come home early and fail the year because I can't afford it because of the lupus.
Has anyone got any advice, either for living in Canada with lupus, or on how insurance companies react to you trying to claim things like blood tests and medication through them?
Thanks,
Charlotte
 

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Hello Charlotte

I think you asking about your health care in Canada might be like people asking me where to stay or eat when they visit London. I don't know because I never needed to stay in a hotel and hardly ever eat out. Nor could I advise a Canadian student coming to the UK how to go about getting specialist health care on the NHS, specialised tests and renewal of regular specialist prescriptions. I only know about non resident visitors to the UK.

I suggest you contact the student welfare services of the educational establishment you'll be going to, the NUS, and the Canadian High Commission, maybe some International Student Organisation or Canadian Student Union.
You can't be the first person in this particular situation.

You need to ask the Insurance company too about exactly what costs they will cover. I gather the health care provisions in Canada depend which province you are in, but not sure. I have the impresssion that private health care might be harder to access than in the UK even with insurance but I could be wrong.

When you have more details you might be able to contact a lupus specialist to set up arrangements for your continuing care in advance.

I am sorry not to be more positively helpful

All the best
Clare
 

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Chaxtell,

As your are going on a Student Visa, perhaps customs will allow you take to most of your required meds for the whole year with you! You would obviously need your GP to issue you enough on prescription to cover you and a little extra, plus a letter explaining the reasons for carrying those medications.

Arn't insurance policies for emergency treatment only!

Perhaps you could ask your specialist in UK for some assistance in getting care in Canada (sometimes they do have contacts!).
 

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The Other Illinois Tammy
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Charlotte,
Have you contacted your insurance and found out what you do if these issues come up for you? It is always nice to find out what if before it happens with insurance. It will limit the stress when it does happen. I would be looking into all this before the trip and what your opions are before you go.

I hope this helps and if you call customer service they can get you to the right person to help you find the answers to your questions. Be well and have some fun while you are there.
 

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Hi Charlotte, The others have given some good options. Meds. in Canada are supposed to be less expensive. I take 500mg. of CellCept, 3 times a day. The cost is $1120.00 a month , thankfully I have script coverage. Pray all works out for you. Best Wishes, Rosie
 

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Hi Charlotte

I once was an intern in the States for a year and I had the same concerns as you.

I would check all the details of the insurance - my insurance at the time was really only for emergency only, not regular medications. I brought all of my required medication with me as well as a letter from my doctor and customs didn't even look at them.

Unfortunately though I did have a severe flare and ended up in hospital - my insurance covered it all, but it was still stressful and I used to have to ring my insurance company in the UK frequently to follow up on bills. In the end, I only stayed 5 months of my 12 month internship as it was all too much for me.

You need to check the fine print of your policy to see whether it will cover routine care for you.

Hopefully though you will have a much better time than me! I would advise you to get registered with a doctor in Canada as soon as you can so that your care is being monitored. It didn't really occur to me to get registered with a doctor until I started to feel unwell and then it took me far too long to get to see a doctor. By that stage I had to be wheeled straight over to the hospital from the doctor's office.

So - I hope this helps you and I hope you have a great time! What a great opportunity!

Take care -

Nellie
 

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Me again :)

I checked that the UK has no reciprocal agreement with Canada.

I suggest you ask the Moderators to change the title of your post to " Healthcare Canada ?". This will be more eye catching.

Cheers
Clare
 

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Howdy Charlotte,
Although I have lived in Canada all my life, I can be of no help. In Canada, health care is technically a provincial responsibillity. I might suggest that you write to the department of health in the province in which you will be living.
All the best!
Douglas+
 
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