Medical Procedures Which are not Coverage by Your Provincial Medical Plan
We are lucky in Canada to have a universal healthcare system that covers Canadian residents for most health services. The coverage is not as comprehensive as you would find under a private health plan in the USA, but for the most part, Canadians pay little or nothing directly for this coverage as the healthcare is covered by provincial taxes and also from the Federal Government. Yes, there are gaps and long waiting lists, but overall it is a pretty good system. But we wanted to provide a list of 5 health services that are not covered provincial medical plans and illustrate the need for individual health plans via our website.
What is Covered by Provincial health plans?
Well, there is a lot covered and too many services to list here, but under the Canada Health Act that is enforced by the Federal Government, provinces have to provide basic medical and emergency services. This will often include visits to doctors and specialists, hospital-related claims, scans, x-rays, out-patient procedures, surgeries and much more.
Most provinces in Canada cover largely the same procedures, but here are five health services that Canadian individuals not covered by a group benefits plan paid by their employer should think about:
- Home nursing care
- Prescription medications below any provincial pharmacare program
- Semi-private hospital rooms
- Emergency travel medical outside your home province
- Alternative treatments and experimental medications where applicable – Including Naturopath, Podiatrist, Registered Massage Therapist, Acupuncturist, Dietitian
- Vision services and eyewear
- Psychologist, Psychotherapist or Clinical Counsellor
- Speech therapy
- Hearing aid
- Basic AD&D
- Prosthetic appliances,
- Durable medical equipment
- Dental services – basic, preventative, restorative and orthodontic care
And much more. The coverage and maximums depend on the extended health plan that you choose for you and your family. You can only apply for an extended health plan if you are fully covered by your provincial medical plans and are a permanent resident of that province.
Apply Online for an Individual Health and Dental Plan
No health plan will cover everything and it makes sense to get a quote online. By buying a health and dental plan while residing in Canada, you can help prevent your finances from being impacted by unexpected medical costs. Also, health and dental plans go a long way towards providing preventative care that can help you maintain and improve your dental and overall health.