Harry Krause wrote:


One of my union clients provides a "supplemental" program to its
Canadian members to cover those items. Dues subsidize the cost of the
program, so the out-of-pocket to the Canadian union member approaches zero.

I buy my health insurance from my union, It's expensive, but the
deductibles are zip and the co-pays are low. I pay $15 for a doctor's
office visit. It's a PPO plan, and so far the few doctors I've seen
through the program are first-rate. If I need an Rx, the generics are $5
to $8, and the "name brands" are 20% of the regular price.


When working, my wife & I had two plans to cover prescriptions, eye
glasses, private hospital room...even massages if you needed one.
My plan disappeared when I retired but she is still included under her
company's family plan, but must pay half the costs ($80.00 CDN per month)