Is Canadian Healthcare Free – Overview
The Canadian healthcare system is called Medicare. It is funded by taxpayer money and covers all “medically necessary” expenses, including doctor and hospital visits. However, this healthcare plan does not cover the cost of prescription drugs, vision, and dental care.
This healthcare program is available to citizens, permanent residents, and certain individuals with Canadian work permits, along with specific refugees. Every province and territory in Canada manages its own separate healthcare systems.
Easily accessible private insurance options also make medical care easy for those who don’t qualify for Canadian Medicare. Hence, there is no great concern for prompt health and medical services in Canada. In reality, the Canadian public healthcare system is considered by many to be one of the greatest in the world.
Canada’s Multiple Public Healthcare Systems
Canada does not have a centrally-controlled public healthcare system. Instead, the country’s 13 provinces and territories each manage their specific public healthcare programs. Each province and territory in Canada is required to cover the cost of medically necessary treatments. However, this definition may change from province to province and between territories.
Here are the 13 different types of public healthcare programs available in Canada:
- Alberta – AHCIP (Alberta Health Care Insurance Plan)
- British Columbia – MSP (Medical Services Plan)
- Manitoba – Health and Seniors Care
- New Brunswick – Medicare Registration
- Newfoundland and Labrador – MCP (Health and Community Services)
- Northwest Territories – Health and Social Services
- Nova Scotia – MSI (Medical Services Insurance)
- Nunavut – Nunavut Health Care Plan
- Ontario – OHIP (Ontario Health Insurance Plan)
- Prince Edward Island – PEI Health Card
- Quebec – Quebec Health Insurance Plan
- Saskatchewan – eHealth Saskatchewan
- Yukon – Yukon Health Insurance Plan
There are also some significant regional differences in enrollment standards under the Canadian public healthcare system. In some regions, the beneficiaries may have to wait for a certain period of time before getting access to the healthcare treatment they require.
In addition, there may also be residency requirements to enroll for Medicare in Canada, though the terms and conditions of enrollment may vary between different provinces and territories. A person who is temporarily restricted from enrolling in Medicare in Canada can choose to buy private insurance coverage until they are eligible for Medicare coverage.
How Do Canadian Public Healthcare Plans Work?
The 1984 Canada Health Act is the standard foundation that guides public healthcare services through five main principles:
- Public administration – This is conducted on a non-profit basis.
- Comprehensiveness – Public health plans must cover all “medically necessary” services.
- Universality – All Canadian residents must have easy access to public healthcare programs.
- Portability – Canadian residents, must have public health insurance coverage inside and outside Canada at all times.
- Accessibility – Access to health care services should be uniform, reasonable and free of financial or other restrictions.
Is Healthcare in Canada Free?
Healthcare in Canada is virtually free for Canadian residents, permanent residents and other eligible individuals who are enrolled in their territory or province’s version of Medicare. However, this free healthcare does have certain restrictions. Patients do not need to pay any fee to get medical care at a hospital or doctor’s clinic. Some of the major coverage points of Medicare in Canada include the cost of surgery, childbirth and prescription drugs provided at a hospital.
Some of the major restrictions in the Canadian public healthcare system include coverage for prescription drugs bought outside of a hospital, vision care, dental care and rehabilitation services. Surgeries that are not medically necessary, such as cosmetic surgeries, are also not covered under the Canadian Medicare program.
The regional differences between the territories and provinces are also significant. For instance, in the province of Quebec, the public healthcare program covers the cost of prescription drugs.
Some provinces and territories even offer to cover the cost of vision and dental care, especially for seniors and children. However, most Canadians rely on supplemental private insurance plans to handle those medical expenses that Canadian Medicare does not cover.
However, suppose you are not a citizen or permanent resident or come under other eligible criteria. In that case, you will need to rely on private health insurance plans or end up paying for medical treatment out of your own pockets.
If you do not have public health insurance coverage in Canada, you will first need to determine if you are eligible to enroll. If you are qualified, then you can follow the individual enrollment process of your specific province or territory. Additionally, you should remember that even if you are eligible for public healthcare coverage, this will not cover all types of medical treatments.
Hence, buying supplemental private health insurance coverage is highly recommended so you don’t have to pay directly for vision care, dental care, and prescription drugs.
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