Info for Hospitals and Health Care Providers when dealing with Canadian Snowbirds

Cross Border Healthcare Information

Information Hospitals and Health Care Providers need to know!

cross border healthcare information

In general, northern travellers (Snowbirds) and their families tend to be fairly well insured. Most have large private car insurance liability coverages; Personal Insurance Benefits (Accident Benefits); private accident and health benefit coverages; Visa, Mastercard, or Amex travel rewards coverages; Provincial, State, or Federal health plans; and Employer health and prescription plans. Need we say more!

Most hospitals and Health Care Companies are exceptionally efficient in dealing with local State accident insurance programs. Unfortunately when dealing with private insurers from different states or provinces submitting claims becomes confusing. More importantly if Health Care accounts are not submitted correctly, or in a timely fashion, Health Care companies can find its‘ medical account submission statute barred, and not be able to recover it’s account.

Cross Border Confidence helps Hospitals and Health Care companies identify and process these Canadian cross border claims quickly. We make sure innocent accident victims insurers are properly advised, forms completed, and discharge from hospital is literally seamless.

Are “Snowbirds” Entitled to Motor Vehicle contractual Accident Benefits?
YES – Regardless of fault, nearly everyone injured in a Car accident throughout North America is entitled to some form of “Accident Benefits. Even in car accidents where pedestrians, bicyclists and passengers do not have their own car policy – medical and rehabilitation assistance can be extended to them. Ontario, Canada Benefits are called Statutory Accident Benefits. Subject to the severity of the injury they can provide up to 1,000,000 per person of medical, rehabilitation and attendant care funds.

Why are Motor Vehicle Contractual Accident Benefits so Important?
Accident Benefits assist in the immediate payment of hospital and health care accounts. It allows hospital discharge planners, social workers and other health care workers and companies facilitate the injured party and their family’s return home or immediate health care needs. The benefits when accessed properly can help ensure the appropriate care is seamlessly provided from Hospital to home.

Can a Hospital and other Health Care Company access an injured parties Ontario Statutory Accident Benefits?
In general, an injured party is responsible to remit their claims to their insurance company. Hospitals and health care companies therefore need to help an injured party and/or their family, submit the appropriate forms. This is very important. When an accident happens most people are not sure what to do. Health Care Facilitators can look to us to take the lead in helping their patients access the benefits. This ensures the medical care, treatment, and dishcharge is not interrupted.

Insurance priority issues also have to be considered. Most insurance policies have claim limits, and/or do not respond until certain requirements have been met. Some even demand to be advised within 3 – 7 days of a car accident.

In serious, catastrophic accidents Snowbird Accidents members can even arrange for health care professionals in Ontario to help Florida Health Care professionals co-ordinate the patients discharge home and properly submit the claims to Ontario Car and Health Insurers.

Two tips for Hospitals:

  1. Each State and Province has different Statutory time limits in which to bring a contractual insurance claim. If a Hospital does not bring a claim or action within the prescribed time period, it can be barred/prevented from doing so.
  2. Hospitals might be able to recover outstanding accounts in Tort and/or Contract – via “subrogation rights”.

Cross Border Accidents are complicated. Fortunately we can arrange for Hospitals and Health Care Companies to speak to some of the best Personal Injury Lawyers who work collaboratively throughout various jurisdictions to ensure a Hospital and Health Care Companies legal claims and remedies are protected.

For a free Cross Border Confidence consultation

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