PRIVATE Catastrophic illness insurance.

As OHIP guidelines control doctors' actions, more Ontarians buying Catastrophic illness insurance (usually a $250,000 payout )which allows world-wide freedom of choice of Hospital and Doctors. Ontario is the least generous when supplying expensive medication. Quebec and Alberta are best.

GP Muhammad Shafiq QAADRI MD(Tor.'88) MPP

Minister to Make Public Transit Announcement February 7, 2014 Glen Murray, Minister of Transportation and Minister of Infrastructure, and (Muhammad) Shafiq Qaadri, MPP for Etobicoke North, will make an announcement about improving GO Transit. Date: Monday, Feb. 10, 2014 Time: 10 a.m. Location: Etobicoke North GO Station 1949 Kipling Avenue Toronto Dr.M S QAADRI graduate of (Toronto) Upper Canada College. Son of Ob/Gyn Mussarat Khurshid QAADRI MD(Nishtar,Pakistan '59) FRCSC: now Chair OMA Section of Clinical Hypnosis.

PROFESSIONAL FEES: OHIP vs LEGAL FEES

2012 Canadian Lawyer Legal Fee Survey reports that the average hourly rates for Ontario lawyers range from $243 for new graduates to $365 for lawyers practising for 10 years. OHIP pays same fee for rookie and`experienced MD. No promotion & no bonuses. Approx 50% of hourly rate for new LLB. OHIP = pro bono work with high risk of WORLD-WIDE patient & family complaints at no expense to complainant even if frivolous. Govt FIXED PRICE CONTRACT work with no WSIB coverage and NO GOVT.BENEFITS. Same rate for practice in high rent area and low rent rural areas. COMMENT: only few grads of Toronto Upper Canada College enter Med.School in Canada.

AIRD & BERLIS: "Canada's Anti-Spam Legislation ("CASL") will govern the delivery of CEMs (Commercial electronic message)

Potential individual fine $1,000,000 Awaiting OMA Legal Dept. advice. "CASL comes into force on July 1, 2014"

DIRECT ACCESS TO SPECIALISTS in TORONTO

COMMENT: Socialist State insurance OHIP requires a referral from a GP to have a specialist OHIP-paid consultation. GPs' choice of Specialist may be influenced by working in a specific Hospital GP service or working in a clinic which includes specialists. They may not know the best specialist for the problem. Another danger is the front office computer programmed for a default "NON-URGENT": potentially fatal. Upper-middle class Ontarians bypass the GP by visiting the Specialist PRIVATELY: telling the receptionist that they have a residence in the USA: very often true as many have condos in Florida. The Ont.Med.Assn tariff is double that of the State insurance.(State payment has fallen 50% during 40 years of Socialist Govt.control.)

USA MEDICINE preferred by the Ontario Upper-Middle class

COMMENTS invited about pay & benefits in USA HMOs. Does MAYO still pay a salary? Cleveland Clinic Canada (30,000 sq ft) & M.D Anderson Cancer have offices in Toronto. Ontarians with means or private insurance go to Capitalist USA for treatment. Avoiding the restrictive Socialist "Guidelines" of OHIP medicine. Princess Margaret Cancer Hosp may do good research but patient care far from top USA standard. NO MAGNET HOSPITALS in ONTARIO

QUEBEC & ALBERTA Best Provinces for expensive Cancer drugs

QUEBEC ("New France" until Treaty of Paris 1790)and ALBERTA are the most generous of the Canadian Provinces. In Canada Medical care is in the Power of the Prov. Govts. The Canada Health Act (CHA) (1984) officially prohibits charging for " medically necessary" services,( never defined in 30 years), in all Provinces except QUEBEC after the judgement in (Dr.)CHAOULLI v QUEBEC(Attorney General) 2005 SCR 791 2005 SCC 35. A 3 months residence in "La belle province" required for membership in the "Regie de l'assurance maladie du Quebec. COMMENT: In Ontario the legal way of avoiding the restriction of the CHA is to call Private Clinics WELLNESS CENTRES. The do not bill OHIP for medical visits , charging about $3,500 a year. Pathology & Imaging can be billed to OHIP. Examples Cleveland Clinic Canada, Medcan, Medisys Inc. and GP "Boutique" clinics providing a Dietition +/- Physio.,Podiatry etc. There are still no private General Hospitals; Homewood Mental Hosp & Shouldice Hernia Hosp are allowed to be privately owned. Some hospitals have single rooms at an extra charge of about $300/day. Difficult to find as many used as isolation rooms for MRSA & AIDS.