As a Canadian, I am proud of our health care system. It's free & available to all immigrants & citizens & it's one of the best in the world. While prescription medications & dental benefits are excluded, it is covered via medical benefits provided by your employer. Premiums for these additional health benefits are not a significant cost for the employer & employee because of the nationalized coverage of basic health care. Some employers even cover all your premiums. Such was the level of care that we were used to in Canada.
When Hubby received his job offer from Bermuda, we made sure to negotiate that he & I would be covered for full health benefits with all premiums to be borne by his potential employer. We had no idea how much health benefit premiums cost in Bermuda but assumed that like everything that was reputed to be expensive on the island, this was too.
Here we are two years later, acutely aware of how expensive premiums are & how we lucked out in that department. We've learned that most companies cover half the monthly premiums for their employee & their spouses. Some just don't cover premiums for spouses at all. So, how expensive is it? Say about $300.00 a month. Yes, you read right. Thats about $3,600 a year & that's just for one person. A significant chunk of change, if you're not prepared for it. If you're lucky, your claims will be covered at 100%, for most insurance companies will only cover 50% to 80% of your claims. This again, depends on your future employer & how much more they are willing to shell out so their employees get the best deal.
The best advice I can offer for those of you looking to work on this island, is NEGOTIATE your health benefits coverage before you sign your contract. Don't be afraid that you're going to loose out on the job opportunity - you won't. Organizations here are aware of the amazing low cost health benefits that are available to Canadians in Canada & are willing to negotiate or acquiesce to your requests. You've got nothing to loose by asking & you'd be surprised when they say yes.
Most insurance companies cover claims for dental work, prescriptions, etc done in your home land. They too, are aware of the top notch level of care you are used to, back home. You can even elect to have any required surgery performed in your home land, should you be unsure about Bermuda's surgical procedures. That & airfare would also be covered. For the rest, prescription eye wear is expensive in Bermuda, some places take up to 3 weeks to process, all because they order it from Toronto anyway (the irony never ends). Dentists are booked up on the island, especially the good ones, because there is a shortage of dentists in relation to Bermuda's population. So, you may want to schedule your semi annual visit to your dentist when you're back home. I know sitting in the dentist's chair is not necessarily what you want to be doing while you're on vacation, but you'll be better off in the long run.
Many a family member often ask us why we don't take time out to visit them when we're down in Toronto. Well, this is why - we're busy crossing things off our shopping lists & getting our teeth cleaned at the same time. It is because of this, my mantra & excuse for the past two years has been: It's never a vacation when we're in Toronto.