Only Child on seniors health and poverty living

Mulling over health care costs and seniors

Mulling over health care costs and seniors

It doesn’t matter where you live – if you are a senior living in poverty, you can bet your health will suffer and can be worse than if you have money. I’m not saying that being wealthy prevents cancer or heart disease. There are certainly many other factors weighing in here.  But I am saying that if you live below the poverty level, there are many age-related medical conditions that could be stopped or at least improved if you could just afford to pay for them.

So much for universal health care. That is a myth, even in Canada and Great Britain which are supposed to have health care coverage. I live in Ontario, Canada, and over the last few years, what is covered by our provincial health care plan (OHIP) has shrunk. Here is a summarized list of what is NOT covered by OHIP from the official site.

Services NOT Covered by OHIP

  • Ambulance transportation services if not deemed medically necessary (maximum cost of $240).
  • Routine eye examinations for people between the ages of 19 and 65.
  • Glasses and contact lenses.
  • Some physiotherapy may be partially covered or not at all.
  • Routine dental services such as examinations, fillings, cleanings and non-surgical extractions.
  • Podiatrists are only partially covered by OHIP.
  • Paramedicals such as chiropractors, massage therapists, naturopaths, podiatrists, acupuncturists and osteopaths.
  • Necessary emergency medical treatment obtained outside of Canada (e.g. while traveling) is only covered on a very limited basis; it is highly recommended to have travel insurance protection if traveling outside of Canada. Out of province ambulance costs are not covered.
  • Prescription drugs, although assistance MAY be available (see below).
  • Any cosmetic surgery.
  • Semi-private and private rooms in a hospital.

– See more at: https://www.healthquotes.ca/OHIP-Ontario.aspx#sthash.pbM8hhZK.dpuf

But not included in this generalized list are some blood tests, such as tests for Vitamin D deficiency and Candida (the latter was covered until the early 2000s). Vitamin D deficiency can be a problem, especially in winter, when there is less sun to be exposed to, something I found out the hard way nearly five years ago. And no, I didn’t go to a doctor’s about it or I would have been hit with the cost of a blood test. I did my research online and figured the extreme pain in my leg bones wasn’t arthritis (pain wasn’t in the joints but in the calf bones) was Vitamin D deficiency. So after a few weeks of massive daily doses of Vitamin D, the pain went away. Now, starting in November and until at least the end of April, I take very large doses of Vitamin D, daily.

Which brings me to something else not covered by healthcare – Vitamins, Minerals and other supplements that not only aid in your health, but in some cases get rid of the health problem. Most months what I spend on food is in a “race” with health supplements for highest amount spent.

And yes, there are private drug plans, but if you live below or near the poverty level, you just can’t afford them. Who says Canada doesn’t have a two-tier health plan? It is just not the usual definition of a two-tier health plan.

However, those of us who live below the poverty level in Ontario, have some government help with the Ontario Drug Plan for Seniors – you get all prescriptions free and waive any druggist fee. The down side is you have to re-apply each year based on your Net Income as filed and assessed by Canada Revenue, If you are living a bit above the poverty in Ontario, you  might get partial help, i.e. pay the first $100 for prescriptions, then after that pay a nominal druggist fee for filling the prescription. Again, it is set-up as an annual thing based on your income. So living in poverty (for the next year) guarantees me no prescription costs for my eye drops – absolutely necessary or my left eye will go blind.

And being over 65, I now don’t pay for any visits to my ophthalmologist and optometrist. But I do pay for glasses. Which is why I kicked up a big fuss when I had to have replacement sunglasses because the original ones had a broken connection to the glasses, just over a year old. Not only was this particular glasses style no longer made, the one-year warranty was up. So full price here. No wonder I complained to the store (Hudson’s Bay Optical) manager and he credited me with half the cost.

No wonder I have very bad feet problems. No wonder I am cranky a lot.

Speaking of poverty levels. There is a big gap in what is considered the poverty level for singles living alone in Ontario, Canada and the United States.

In the United States:

“Over 25 million Americans aged 60+ are economically insecure—living at or below 250% of the federal poverty level (FPL) ($29,425 per year for a single person).” See Economic Security for Seniors Facts.

Compare that with Ontario’s $19,330

These are both annual incomes.

I’ll be covering more on Seniors and poverty in future posts.

Comments, please. I would also like to hear from those living outside Canada and outside the United States.

Cheers.

Sharon

Only Child Writes

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Filed under Health, Health Seniors, Healthcare coverage, Only child, Poverty, Seniors, Vitamin D Deficiency

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