Ontario Health Insurance Plan

Thinking to immigrate to Ontario? Learn all about the Ontario Health Insurance Plan or OHIP. What it covers. How to qualify for the OHIP and even the steps on how to apply for the insurance plan and when it will cover you.

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British Columbia Health Plan

Healthcare is important, which is why British Columbia has the Medical Service Plan or MSP. Discover how to qualify for public healthcare in BC with our easy step by step instructions. When to use your medical card and more!

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Alberta Health Plan

When you live in Alberta, the Alberta Healthcare Insurance Plan or AHCIP is a vital part for your wellbeing. Find out how to apply for AHCIP, what the insurance plan covers to what documents you need to apply with.

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Extended Health Coverage Plans

Extended healthcare in Canada covers what public healthcare doesn't. Learn all the benefits of extended health care and what it covers and even how to apply for extra healthcare as an international student living in Canada. Some provinces do not cover international students.

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In Canada anyone can get health care so this is a major advantage of this system. As long as the person is a resident of Canada they will receive some level of health care. People that are unemployed, students, disabled, pensioners and so on can still get health care in Canada. Because it is administered by the Canadian government, the support for this health care system is really to improve the overall health of the citizens.

It is an easy access and equal services for everyone, which will be a good future outgrowth to the increase of productivity and to cut back on the number of illnesses. For this reason, the coverage is universal and unrestricted where to get medical treatment is free as long as it doesn’t cover things such as drugs prescription, dental care, as well as eye care or glasses. Drugs are set to be cheap by pharmacy companies at a federal level.

Programs That Reduce Costs

There are programs that work towards preventing injuries and teaching citizens about health issues. There’s more public awareness about health risks and these programs are funded by the government of Canada. These programs are created to help reduce health care costs and to teach people how to take control of their health before they turn into more serious problems. There are programs for seniors, those with disabilities, awareness campaigns for back injuries, and many others. These programs are designed to help people in Canada stay healthier because they get more education about health related issues.

Special Care For Retired Veterans

The health care of veterans is well looked after in Canada and they get the care that they need in their later lives when they may be in care homes or seniors centres.

The Canadian government just doesn’t treat injuries sustained in service of their country, the veterans get whatever care that they need. By all means, all veterans who are injured, disabled and in their old ages are admitted to a lifelong financial support and care under the Canadian health care system. These long-term care are included medical care facilities and comfort accommodations at nursing homes all over Canada. There are two care facilities and support arrangements for the long-serving veterans. One is called the “community” beds for nursing home care facilities specifically for the veterans as well as residents in a particular community. Another one is called the “contract” beds that are first priority home care facilities addressed for qualified veterans.

Do Non-Citizens Get Free Health Care?

On the other hand, Canada’s “universal” health-care system is a little less universal when it comes to immigrants.

All citizens and permanent residents are eligible for public health insurance, which covers most medical issues. Newcomers to Canada, however, may not have the same access to services.

The Canada Health Act states that all insured persons are entitled to the insured benefits offered within that province. “Insured persons” are lawful residents who have lived in the province for three months and live there for at least 183 days a year. Tourists, visitors, and “transients” are excluded.

For newcomers, the level of coverage depends on your immigration status. In a nutshell, new immigrants have limited access to free medical care and will likely have to pay for some treatments or insurance.

The provinces and territories offer free emergency medical services, but some restrictions may apply

Basics of the Canadian Health Care System

What is Covered?

Almost all essential basic care is covered, including primary care physicians, specialists and hospital services.

What is Not Covered?

This varies depending on the province, but usually does not cover dental or vision. Cosmetic surgery and some forms of elective surgery are not considered essential. Pharmaceutical benefits are only available to the elderly, disabled or low-income earners.

How to Apply For Public Health Insurance

Apply for a health insurance card as soon as you arrive in Canada. Forms can be found at doctor’s offices, hospitals, pharmacies and immigrant organizations. Documents required are identification and confirmation of permanent resident status. Some provinces (Ontario, B.C., Quebec and New Brunswick) have a three-month waiting period for coverage.

Like alluded to earlier, Canadians do not pay directly for health care services, but pay through government taxes (except in B.C., where you pay a monthly premium). When travelling outside of your territory or province, you may need to purchase private health insurance to have the same medical services covered. Newcomers also need to purchase private health insurance to cover themselves during the three-month waiting period.

In some provinces, private supplemental plans can be purchased to help pay for things like dental work, eye care and other treatments not included under basic care. Some employers also subsidize extended health care plans as an employee benefit.