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Welcome to Canada

The Basics of Canadian Finances

 
 

Canada’s Healthcare System

Canadians are proud of their healthcare system, which provides comprehensive coverage for Canadian citizens and permanent residents.

The Importance of a Health Card

Healthcare is the responsibility of the provinces and territories. Each provincial or territorial Ministry of Health oversees the services in its jurisdiction.

Each province/territory also issues health cards. Every member of your family (including infants) must apply for a health card in order to receive health services.

Applying for a Health Card

Health card application forms are available from all provincial/territorial Ministries of Health and at some doctors’ offices, pharmacies and hospitals. You can also get one from an immigrant-serving organization.

Before you leave for Canada, visit the website for the Ministry of Health of the province or territory you’re moving to. There, you will find information about the documentation you will need (such as your birth certificate, passport, Confirmation of Permanent Residence and/or your permanent resident card) and how to get your health card as quickly as possible.

What’s Covered?

Services are similar across Canada, but there are some regional differences. Be sure to check with your Ministry of Health for detailed information about coverage in your home province or territory.

With your health card, you will not need to pay for basic or emergency medical care including:

  • Visiting a doctor
  • Visiting a nurse practitioner or public-health nurse
  • The services of a medical specialist (such as a gynecologist or psychiatrist) as ordered by your doctor
  • Being treated at a hospital (both emergency and non-emergency)
  • Tests that are ordered by a physician (such as blood tests and specialized diagnostic procedures)

You will not be covered for:

  • Dental services
  • Eye exams and eyeglasses
  • The cost of prescription drugs

Getting More Coverage

Some individuals and families choose to pay for private health insurance, which covers items not included under public healthcare benefits. Some employers offer group health insurance as a benefit of employment.

In British Columbia, Ontario, Quebec and New Brunswick, there is a three-month waiting period while a person’s eligibility for a health card is being reviewed. Depending on your needs, you may want to purchase temporary private coverage, such as the RBC Visitors to Canada health insurance. During this waiting period, you may be eligible for coverage through the Interim Federal Health Program. Contact Citizenship and Immigration Canada for more information and to check your eligibility.

Federal:

Government of Canada’s Health Portal — Includes information about health services for newcomers, and relevant links.
Citizenship and Immigration Canada — For more information about health services.

Provincial:

Health card applications information. For more information on applying for your health card (including the documentation you will need) in your destination province/territory, use the following links:

Alberta
British Columbia
Manitoba
New Brunswick
Newfoundland and Labrador
Northwest Territories
Nova Scotia
Nunavut
Ontario
Prince Edward Island
Quebec
Saskatchewan
Yukon

Health services by province/territory:

Alberta
British Columbia
Manitoba
New Brunswick
Newfoundland and Labrador
Northwest Territories
Nova Scotia
Nunavut
Ontario
Prince Edward Island
Quebec
Saskatchewan
Yukon

 

The content of this website is provided for the general guidance and benefit of our clients. This website is for informational purposes only and is not intended to provide specific advice. See full disclaimer.

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Using Money in Canada
Expenses in Canada: What to Expect
Taxes in Canada
Canada’s Healthcare System
Government Programs, Financial Assistance and Loans for Newcomers

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