<p>I believe that my daughter, as an incoming international student, would either have to buy what looks like quite reasonably priced health insurance, or would have to show she already has adequate coverage elsewhere.</p>
<p>Since she has a decent Kaiser plan and I think she can keep it going for a few years while she's a student, I guess one option is to use it to pursue the exemption. But it's quite costly, and I think the McGill option would be cheaper.</p>
<p>My question is: is the McGill plan good enough to cover her well not only while she's at uni but also while she's at home in the US or indeed overseas? What have other people done in this situation -- kept their existing insurance going, gone with the McGill plan, or is there even an argument for having both?</p>
<p>I have the same question…a colleague of mine thought that I could handle medical costs through my current Cigna Health Plan as out of network. Going to find out…otherwise I’ll carry both plans.</p>
<p>Not sure if your insurance company is the same way…I called Cigna. Was told that under my employer’s plan medical emergencies (in Canada) would be considered “in-network”. Non-emergency doctor or clinic visits would be considered “out-of-network” and reimbursed at 65% after meeting the normal deductible.</p>