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How Health Insurance Work In Canada

A lot of Newcomers to Canada are curious to know just how Health Insurance work in Canada. There are lots of things you will need to know about.

Assuming you are NOT working for any employer and you live in the Toronto area, what are your options as a first time PR applicant? Sure, you would love to know about both, healthcare offered by Canadian govt, plus the additional medical insurance needed to cover for missing items such as dental, vision, prescription, etc not provided via govt healthcare.

You see, Insurance will likely cost more than paying cash but you can get private coverage. That depends on what you’re doing in Canada. You must have income or savings to make a living without employment.

About the rest of dental, vision, prescription drugs, physiotherapy, etc are NOT included in provincial healthcare.
If you don’t plan to be employed, buying insurance to cover them is an option but insurance companies are running a valid business.

So you need to calculate the cost of getting the insurance and the cost of paying out of pocket.
Even not all the procedures are covered for people who get extended coverage from their jobs. It’s common that there is a limit for how much major dental work will be covered per year, so you could still have to pay out of pocket if something really expensive needs to be done.

Concerning coverage limits on most things. You only have so many physiological appointments per year. Coverage is usually not 100% it is often 80%. There also can be long waits to see specialists, like waiting 9 months to see a particular GI specialist. You get to realize what isn’t covered by the system the more sick visits you make.

Also, things like public long-term care (nursing home) involve parents contributing a huge part of their monthly pension so if you want to sponsor your parents you’ll be paying the fee. Also, the care isn’t great so you will need to be there or maybe find extra care. Many immigrants have very unrealistic expectations of what they will get under healthcare plans like daily care in the home by a nurse, but lots of Canadians also have unrealistic expectations too. If a family member has health issues be ready to take on quite a lot of the expenses and be the primary caregiver. In many cases, families would have been better off in their home countries where they can pay for a lot more care and therapy.

Concerning those changing their health insurance when they decide to move, you are changing provinces of residence, you should notify OHIP that you are leaving Ontario and will be residing in (maybe) BC, so that your current OHIP coverage is still in effect during the BC MSP waiting period (2 full months + the remainder of the month when you arrive in BC).

Here is the source – https://www2.gov.bc.ca/gov/content/health/health-drug-coverage/msp/bc-residents/eligibility-and-enrolment/how-to-enrol/coverage-wait-period

Concerning your OHIP coverage through your transition to MSP, OHIP will cover certain services outside ON such as physician services and hospitalization so long as it is considered medically necessary – https://www.ontario.ca/page/ohip-coverage-across-canada