I live in Canada at the moment, and am considering to move to the United states with my family for employment opportunities. I have ulcerative colitis and the only thing that worked for me is the Remicade infusion. Being that I can’t afford to pay for it, I am getting it for free. I do not pay any insurance to cover it. One thing holding me back from moving is that it won’t be free for me in the states. Is that true? Will I have to pay for it? What would insurance cost me to cover this? Please let me know before we make the decision to move.
All necessary treatments are covered under all major medical insurances up to an allowed amount. Number of treatments may be limited and are subject to cost sharing. For example Remicade infusion's would be covered by most insurances in the United States, but some may limit the amount you can get (or get at a cost sharing amount).
They would not be "free" as cost sharing rarely results in no-out-of-pocket cost before out-of-pocket maximums are met. In the US Remicade can cost around $1,500 - $2,500 an injection before cost sharing [and a person may need more than one injection], so you'll need to shop around for a plan in the region you plan to move to that will offer good cost sharing on this (for example an insurer may only offer $2,000 as the allowed amount per injection, but pay $2,500 leaving you with $500 in uncovered amounts per instance, and that is aside from cost sharing.)
Given what we know about coverage you should expect to pay a premium each month and reach your deductible, if not out-of-pocket maximum too, before the insurer starts covering all or a majority of the costs. So you could expect that this will cost you a few thousand dollars each year. If you are low enough income you can get cost assistance to lower this (after becoming a US citizen only).
Hope that helps with your decision. There isn't one insurer we would recommend or not, it really depends upon where you are moving (we would then have to look at the providers and their networks in that region, plus benefits offered to make a good call on that). If you think you can make say $5,000 more a year living here then the cost / benefit may be in your favor, again this depends upon your cost assistance options and the cost of plans and care in the region you move to.