Healthcare in Canada
The purpose of the excellent Canadian healthcare system is really to improve the overall health of all who calls Canada home. For this reason, Canadian citizens and permanent residents can access free public healthcare at all times. In fact, even some foreign workers with valid work permits and international students may apply for free public health insurance in Canada.
Public healthcare coverage varies from province to province, however, most medical care deemed necessary by the Federal government of Canada is covered at no cost to its citizens. There are however some exclusions, such as prescription drugs, as well as dental, mental health, and optometry, unless deemed medically necessary.
Programs That Reduce Costs
Special Care For Retired Veterans
The healthcare of veterans is well looked after in Canada and they receive the care that they need in their later lives when they may retire to care homes or seniors centers.
The Canadian government not only treats injuries sustained in the service of their country but veterans get whatever care that they need. What’s more, all veterans who are injured, disabled, and retired are admitted to lifelong financial support and care under the Canadian health care system. This long-term care includes medical care facilities and comfortable accommodations at nursing homes all over Canada.
Do Non-Citizens or Permanent Residents Get Free Healthcare in Canada?
On the other hand, Canada’s “universal” healthcare system is a little less universal when it comes to non-citizens or non-permanent residents. However, temporary foreign workers and international students who hold valid permits may be eligible for healthcare coverage. Usually, workers must be employed full-time by an employer and students must be enrolled in full-time studies for a period of 12-month to qualify.
The Canada Health Act states that all insured persons are entitled to the insured benefits offered within that province. “Insured persons” are lawful residents who have lived in the province for three months and live there for at least 183 days a year. Tourists, visitors, and “transients” are excluded.
Those who obtain permanent residency in Canada may have a waiting period of 3-months before they can access free healthcare – it all depends on the provincial government in which they reside.
Basics of the Canadian Health Care System
What is Covered?
Almost all essential basic care is covered, including primary care physicians, specialists, and hospital services.
What is Not Covered?
This varies depending on the province but usually does not cover dental or vision. Cosmetic surgery and some forms of elective surgery are not considered essential. Pharmaceutical benefits are only available to the elderly, disabled, or low-income earners.
How to Apply For Public Health Insurance in Canada
Apply for a health insurance card as soon as you arrive in Canada. Forms can be found at doctor’s offices, hospitals, pharmacies, and immigrant organizations. Documents required are identification and confirmation of permanent resident status. Some provinces (Ontario, B.C., Quebec, and New Brunswick) have a three-month waiting period for coverage.
As mentioned earlier, Canadians do not pay directly for healthcare services but pay through government taxes (except in B.C., where you pay a monthly premium). When traveling outside of your territory or province, you may need to purchase private health insurance to have the same medical services covered. Newcomers also need to purchase private health insurance to cover themselves during the three-month waiting period.
In some provinces, private supplemental plans can be purchased to help pay for things like dental work, eye care, and other treatments not included under basic care. Some employers also subsidize extended healthcare plans as an employee benefit.