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According to the latest news from Ottawa, a proposal in the new Liberal-NDP agreement to create a national dental care program for low-income Canadians, and to expand eligibility to children under the age of 18, seniors and persons with disabilities in 2023, which means, most of these health benefits will only be available to young people under the age of 18 and low-income Canadians.


The Canadian public healthcare system, known as Medicare, is funded by taxes. It covers all care deemed “medically necessary,” including hospital and doctor visits, but generally does not provide prescription, dental, or vision coverage. This program is only available to citizens, permanent residents, some people with Canadian work permits, and some refugees. Canadian provinces and territories each manage their own separate healthcare systems.

Health Insurance in Canada

In Canada, OHIP (Ontario Health Insurance Plan) is the province of Ontario’s exclusive health insurance plan. Each province has its own health insurance coverage, but basically all health insurance covers the most basic items.


Services covered by OHIP include:

– Doctor visits including family practice and Walk-in.

– (Emergency and hospitalization) There is no charge for any expenses incurred during hospitalization. These include doctor’s fees for examining patients, specialist fees, and surgery. However, if an ambulance is called to the emergency room, the ambulance fee will be charged.

– Some dental procedures that require hospitalization

– Abortions with medication and live surgery

– Ophthalmology under the age of 19 or over the age of 65

– Part of the cost of a podiatry examination


In addition to the above coverages, what about the areas that are not covered? Some people may decide to pay for their own visits to the doctor, especially young people who have little to no medical problems, because the long-term cost of insurance may not be worth it, but others may prefer to have insurance coverage for their illnesses. If you do not have a company or family member with insurance, you can purchase your own.


At this stage, the most common insurance companies in Canada include Sunlife, Manulife, Canada Life, Empire Life, iA Financial Group, GMS, Green Shield, and Blue Cross…etc. Generally, large insurance companies use the first five insurance companies, but some companies will save their own money to cover medical expenses and then hire a company that specializes in approving insurance to manage their own insurance funds. In addition, self-employed people can choose Blue Cross, GMS and Green Shield self-employment insurance.

Learn about the health insurance coverage
  1. Dental

Dental care is always not cheap. For example, dental exams, cleanings and fillings, the cost of these three items is around $100 to $600 CAN. However, with syringes and braces, a single tooth can cost over $1200. There are many common insurance policies that allow about 80% reimbursement for minor items and 50% reimbursement for major treatments, with a maximum reimbursement of about $1,500 to $2,500 a year. Dentistry is one of those items that residents pay for up front and then wait for the insurance company to get a refund.


  1. Drugs

Drug coverage ranges from approximately 70% to 100%, and there may be different drugs for the same condition. However, it is common for insurance companies to cover different drugs, but there are many times when the benefits are similar. Pharmacies in Canada keep track of insurance cards and only ask the insured to pay for the part of the drug that the insurance does not cover. If the insurance is for the full coverage of the drug, then you don’t need to pay anything. Some of these drugs may not include drugs to help with pregnancy, smoking cessation and weight loss, and certainly not all-natural supplements.


  1. Ophthalmology

Ophthalmology includes eye examinations and eyeglass prescriptions. Most insurance policies will cover an eye exam once every two years, and the cost is about $150 to $200 for glasses or contact lenses. If you don’t care about the brand of glasses, you can buy a pair of good quality glasses for about $100 out of pocket with the coupons available in the market. This is why many people pay out of pocket and then report to their insurance company for a refund.


  1. Medical Appliances and Services

Medical devices and services in Canada include hearing aids, registered nurse visits, orthopedic shoes, and a variety of medical devices that need to be used. Medical items such as ventilators, braces, surgical stockings, etc.


  1. Health Care

The most common medical insurance items include acupuncture, osteopathy, registered massage, dietitian consultation, podiatry consultation, psychological and physical therapy. However, most treatments are paid for by the insured person up front and paid for by the insurance.


  1. Life Insurance

In this section, compensation is given to the employee’s family members. However, the employee needs to fill in the name of the beneficiary when purchasing, usually the spouse, parents or children. However, this compensation is also very limited, starting from $20,000.


  1. Short Term Disability

Short-term disability is generally the inability to work for a short period of time, ranging from 9 to 52 weeks, for any reason. It covers approximately 40% to 60% of the employee’s salary overall and generally begins 1 to 14 days after the injury. The requirement for short-term disability is that the employee cannot do anything related to the original job for that period of time.


  1. Long Term Disability

In addition, Long Term Disability is an application for Long Term Disability if the employee is still unable to work after experiencing a Short Term Disability covered climate. It is important to note that this insurance covers wages for 5 to 10 years, or until the employee retires at age 65, starting 10 to 53 weeks after the injury. However, to qualify for long-term disability insurance coverage, the applicant must be able to prove that he or she is physically unable to perform any work before the short-term disability ends.


  1. Travel Insurance

On the other hand, if traveling outside of Canada, for example, in the United States, it is assumed that an accident will first enter the U.S. health care system. In addition, medical treatment in the U.S. is not cheap, and OHIP can only cover $400 a day, the rest may have to be covered by insurance. In addition, as for the medical transportation and date there are many regulations, you must pay attention to the relevant regulations and limits before going abroad.


For self-employed people, they can generally choose the level of coverage. If the company chooses the insurance, they will tell the employee what is covered and what is not covered. Most companies in Canada cover dental, medication, massage, etc., but the extent of coverage varies from company to company. This type of insurance is most useful in case of emergency, accidents or illness.


Canada is one of the Top Countries with the best healthcare system in the world. Learning more about life in the country before you immigrate will help you in your future immigration journey. Simard & Associates brings together a team of experienced immigration consultants to help you overcome immigration barriers and find your ideal home abroad.