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Health care in Canada :



 
Health care in Canada is delivered through a publicly-funded health care system, which is mostly free at the point of use and has most services provided by private entities. It is guided by the provisions of the Canada Health Act. The government assures the quality of care through federal standards. The government does not participate in day-to-day care or collect any information about an individual's health, which remains confidential between a person and his or her physician. Canada's Provincially based Medicare systems are cost-effective partly because of their administrative simplicity. In each province each doctor handles the insurance claim against the provincial insurer. There is no need for the person who accesses health care to be involved in billing and reclaim. Private insurance is only a minimal part of the overall health care system. Competitive practices such as advertising are kept to a minimum, thus maximizing the percentage of revenues that go directly towards care. In general, costs are paid through funding from income taxes, although three provinces also impose a fixed monthly premium which may be waived or reduced for those on low incomes. There are no deductibles on basic health care and co-pays are extremely low or non-existent (supplemental insurance such as Fair Pharmacare may have deductibles, depending on income).

A health card is issued by the Provincial Ministry of Health to each individual who enrolls for the program and everyone receives the same level of care. There is no need for a variety of plans because virtually all essential basic care is covered, including maternity and infertility problems. Depending on the province, dental and vision care may not be covered but are often insured by employers through private companies. In some provinces, private supplemental plans are available for those who desire private rooms if they are hospitalized. Cosmetic surgery and some forms of elective surgery are not considered essential care and are generally not covered. These can be paid out-of-pocket or through private insurers. Health coverage is not affected by loss or change of jobs, as long as premiums are up to date, and there are no lifetime limits or exclusions for pre-existing conditions.

Pharmaceutical medications are covered by public funds for the elderly or indigent, or through employment-based private insurance. Drug prices are negotiated with suppliers by the federal government to control costs. Family physicians are chosen by individuals. If a patient wishes to see a specialist or is counseled to see a specialist, a referral can be made by a GP. Preventive care and early detection are considered important and yearly checkups are encouraged. Early detection not only extends life expectancy and quality of life, but cuts down overall costs. Those suspected of abusing the system by over-frequent or frivolous use, can be tracked by the doctor through the ID on their health insurance card and may have to wait longer than those with more urgent needs.
 



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Health insurance companies of Canada :



 

  • Alberta Health and Wellness

    Gateway to provincial health matters including health initiatives, legislation, information for health professionals, regional health authorities, and Alberta''s Health Care Insurance Plan.

  • Assuris

    Founded in 1990, Assuris is a not for profit organization that protects Canadian policyholders in the event that their life insurance company should fail.

    Our role is to protect policyholders by minimizing the loss of benefits and ensuring a quick transfer of their policies to a solvent company, where their benefits will continue to be honoured.

  • Benecaid

    Individual and small business health insurance. Company overview, description of coverage and options, information for brokers and seniors.

  • Blue Cross Canada

    The Canadian Association of Blue Cross Plans (CABCP) is an association of 7 regional not-for-profit health and travel insurance providers in Canada. The first Blue Cross Plan was offered to residents of Manitoba in 1939. The association is headquartered in Etobicoke, Ontario.

  • Canada Protection Plan

    We are one of Canada’s leading suppliers of life and health insurance that does not require a doctor’s visit or medical report – you will only need to answer a few yes or no health questions. Our goal is to make insurance simple to understand so you may purchase with ease. You may also get an instant quote, or apply directly online.

  • Canadian Life and Health Insurance Association

    The Canadian Life and Health Insurance Association (CLHIA), established in 1894, is a voluntary trade association that represents the collective interests of its member life and health insurers. The Association's membership accounts for 99 per cent of the life and health insurance in force in Canada and administers about two-thirds of Canada's pension plans.

  • CustomCare

    Offers tax-deductible private private health services plans to small businesses, the self-employed, and incorporated persons and their employees.

  • CoverMe

    CoverMe™ from Manulife Financial offers a comprehensive selection of insurance solutions to meet the emerging healthcare needs of Canadians.

  • Dan Pucher Insurance

    Offers travel medical and health insurance to Canadians traveling abroad, and to expatriots and visitors coming to Canada.

  • Health Canada

    Health Canada (French: Santé Canada) is the department of the government of Canada with responsibility for national public health.

  • Health Insurance BC

    Health Insurance BC administers the Medical Services Plan (MSP) and PharmaCare programs on behalf of the B.C. government.

  • HealthQuotes.ca

    HealthQuotes.ca offers Canadian health, dental and travel insurance quotes. Shop for employee benefits, individual health insurance, and travel medical benefits online in a secure, convenient manner. Get the most affordable plan that best suits your needs.

  • Ministry of Health and Long-Term Care (Ontario)

    The Ministry of Health and Long-Term Care is the Government of Ontario ministry responsible for administering the health care system and providing services to the Province of Ontario.

  • OmbudService for Life & Health Insurance

    The OmbudService for Life & Health Insurance (OLHI) is a national independent complaint resolution and information service for consumers of Canadian life and health insurance products and services, including life, disability, employee health benefits, travel, and insurance investment products such as annuities and segregated funds.

  • Ontario Blue Cross

    Provides supplemental health insurance to employers and individuals, and life and travel insurance to individuals.

  • Pacific Blue Cross

    Pacific Blue Cross, a not-for-profit company, has been British Columbia's leading benefits provider for over 70 years. Our comprehensive understanding of changing health care needs fuels our commitment to service. Together with BC Life, our subsidiary, we provide health, dental, life, disability and travel coverage to nearly 1.5 million British Columbians through employee group plans and through individual plans for those who do not have coverage with their employer. Pacific Blue Cross and BC Life continue to respond to customers' needs in plan design, administration and technology.

  • Petsecure

    We're proud to be 100% Canadian-owned and operated. As Canada's oldest and largest pet insurance provider, since 1989 we've lead the market place in providing Canadian pet parents with innovative coverage to meet the diverse needs of their pets.

    Since our inception we've also been giving back to the Canadian pet community, having contributed millions of dollars. We view our innovative pet health insurance as the means by which every pet in Canada can afford to access proactive, preventive, and often life-saving treatment and care.

  • Quikcard Solutions

    Specializes in Health Spending Account (HSA) plans offering affordable employee medical, dental, prescription drug and vision plans for group, family and self-employed health coverage.

  • RBC Insurance Services Inc.

    Specializes in life, health, travel, loan and mortgage, credit, home and property, business, and auto insurance in Canada.

  • Saskatchewan Health

    Provides information including a directory of programs and services. On line library of in depth health articles on a variety of health topics.

  • Sun Life Assurance Company of Canada

    Risk of illness and injury is something we all have. Both are unfortunate realities to many people. This insurance can provide money for treatment or time in a long term care facility. It can replace lost income or pay for travel to and from doctors.

  • The Travel Health Insurance Association of Canada

    To develop and promote voluntary standards of business conduct, professional and public education, advancement of issues relevant to providers of travel health insurance operating in Canada and their affiliated organizations.


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