Healthcare

Healthcare in Canada

Canada's universal healthcare system (Medicare) provides coverage for medically necessary services. However, the system is provincial, has limitations, and newcomers face a waiting period.

How It Works

• Healthcare is provincial - each province has its own plan (OHIP in Ontario, MSP in BC, etc.)
• Covers: doctor visits, hospital stays, surgeries, diagnostic tests, maternity care
• Does NOT cover: prescriptions, dental, vision, physiotherapy, ambulance (varies)
• No direct costs at point of service for covered care

The Waiting Period

Most provinces have a 0-3 month waiting period before coverage begins:

• Ontario: No waiting period (suspended since 2020)
• Nova Scotia: No waiting period
• BC: Up to 3 months (remainder of arrival month + 2 months)
• Alberta: Up to 3 months
• Other provinces: Typically up to 3 months

Critical: Get private health insurance for the waiting period. A simple ER visit can cost thousands without coverage.

Private Health Insurance

For the waiting period and uncovered services:

• Bridge insurance: $100-300/month during waiting period
• Extended health benefits (employer): Covers prescriptions, dental, vision
• Individual plans: $50-200/month for prescriptions and dental

What to Expect

Positives:

• No bills for covered services
• Equal access regardless of income
• Good quality care overall

Challenges:

• Wait times for specialists (weeks to months)
• ER wait times can be very long
• Finding a family doctor can be difficult (shortage)
• Walk-in clinics fill the gap but lack continuity

2026 Changes

The Canada Health Act now requires provinces to cover care from nurse practitioners, pharmacists, and midwives. New investments ($10.5B) target wait times and mental health access.

Registering for Provincial Coverage

1. Apply as soon as you arrive with:

• Proof of immigration status (PR card, work permit)
• Proof of address
• Identification

1. Some provinces allow applications online
2. Health card typically arrives by mail in 2-4 weeks

For Different Immigration Status

• Permanent Residents: Full provincial coverage (after waiting period)
• Work Permit Holders: Usually eligible if permit is 6+ months
• Students: Varies by province - some covered, some require private insurance
• Visitors: No provincial coverage - must have private insurance