Ontario Medical Insurance
If you live in the Canadian province of Ontario, you will be under OHIP,
the Ontario Health Insurance Plan. It helps cover most of the medical
expenses for you and your family; however, it may not be adequate in covering
all medical needs, especially in the case of dental care and prescription
drugs. Moreover, the Ontario medical insurance plan does not cover all
specialized treatments; therefore, if you have any pre-existing illnesses
in your family that are not covered by basic insurance, you should consider
purchasing a private family medical insurance plan.
services are considered not medically related and are not covered by Ontario’s
medical plan, such as various cosmetic surgeries. For this purpose, additional
medical insurance coverage would be necessary. For detailed information,
visit the official site of the Ontario
Ministry of health and long-term care.
Other medical services are only partially covered by the Ontario provincial
insurance plan; individuals are required to take care of the remaining
cost. Here are some facts:
- The costs for medical care in Ontario are consistently outpacing
the provincial coverage. The province requires that patients pay the
first $100 of prescription drug costs plus an additional $6 per prescription.
- Allotted nursing home coverage is only $47 per day. Wait times are
extensive, adding additional levels of worry and stress to the family.
- Although Ontario is the second richest province in Canada, it spends
less on medical care than any other province, according to the Registered
Nurses Association of Ontario. This can leave families needing important
medical care lacking coverage. Family medical insurance is designed
to bridge that gap and ensure treatment.
If you are coming to Ontario from a different province, you need to
check if your previous coverage is valid while you apply for the Ontario
medical plan. It is important to know about the various medical services
covered by OHIP, as it will help you select additional medical insurance
Services Partially Paid for by OHIP
Some of the medical services that are partially covered by the Ontario
medical insurance plan include:
- Medical services provided by podiatrists
- Dental surgery
- Eye exams provided once a year to children under twenty and seniors
65 and over.
Some medical services that are not partially covered by the Ontario
medical insurance plan include:
- Prescription drugs from pharmacies
- Home care services
- Ambulance services
- Long term care services that are provided in other provinces.
If you are travelling outside Canada, the insurance plan of Ontario will
not cover medical expenses incurred during travel; therefore, you are
advised to get a supplementary private insurance plan that will help cover
potential medical expenses while travelling. Without supplementary travel
insurance, you may end up spending a significant amount of money for appropriate
treatment. Depending on the length of time you are away, you may need
to fulfill the eligibility criteria in order to maintain your medical
coverage in Ontario. The guideline dictates that you must be in Ontario
for 153 days in any 12-month period; otherwise, you can still be eligible
for coverage as a ‘mobile worker’ or ‘mobile student’,
given that you have adequate paperwork.
A private family medical insurance plan, in addition to the provincial
medical coverage, should help cover all of your family’s medical
expenses. There are various insurance plans to choose from and you can
make the right choice by comparing the costs and features of each plan.