Consider registering for a provincial health card immediately upon arrival in Canada to access publicly funded healthcare.
Provincial Healthcare Systems
Canada’s healthcare system operates on a provincial and territorial level. Each province and territory manages its own health insurance plan. This means coverage details vary slightly. Check your province’s website for specifics.
- Ontario Health Insurance Plan (OHIP): Covers medically necessary hospital and physician services. Quebec Health Insurance Plan (RAMQ): Similar coverage to OHIP, with slightly different eligibility rules. British Columbia Medical Services Plan (MSP): Provides coverage for physician services and some other health services.
For a complete list and details on your province or territory, consult the government’s health website.
What’s Covered?
Public health insurance generally covers doctor visits, hospital stays, and some diagnostic tests. However, many services are not included.
Dental care: Usually not covered, except for some low-income individuals. Prescription drugs: Partially covered in some provinces, often requiring supplemental insurance. Provincial drug plans have varying criteria. Vision care: Typically not covered under provincial plans. Physiotherapy: Often covered partially, depending on the province and referral.
Supplemental Insurance
Private supplemental health insurance helps cover services not included in provincial plans. Consider this option for additional coverage depending on your needs and budget. Many employers offer group plans, as well.
Finding a Doctor
Finding a family doctor can take time. Use provincial healthcare websites to locate doctors in your area. Consider registering with a family health team or clinic for quicker access to care. Walk-in clinics provide immediate care for non-emergency situations.
