Free universal healthcare (Medicare) — every Canadian resident gets doctor visits, hospital care, and emergency treatment at no cost.
Canada has a universal single-payer healthcare system called Medicare. Each province/territory runs its own plan, funded by taxes. Doctor visits, hospital stays, and emergency care are completely free for residents.
• NOT covered under basic Medicare
• Each province has drug plans for seniors,
low-income
• Ontario: OHIP+ covers under-25
• Average: CAD $50-$200/month without
insurance
• Most employers provide drug benefits
• NOT covered (except children under 12 — CDCP)
• Average cleaning: CAD $200-$400
•
Employer/private insurance essential
• Canadian Dental Care Plan (new 2024+)
•
Low-income dental clinics available
• Eye exams: covered for children and seniors
• Adults 20-64: NOT covered in most
provinces
• Glasses/contacts: out of pocket
• Average eye exam: CAD $75-$150
•
Employer benefits usually cover vision
• Most full-time employers offer extended health
• Covers: dental, drugs, vision, massage,
physio
• Cost to employee: often $0-$100/month
• Self-employed: buy private plan
($100-$300/month)
• Blue Cross, Manulife, Sun Life, Green Shield
| Province | Card Name | Wait Period |
|---|---|---|
| Ontario | OHIP | 3 months |
| British Columbia | MSP | 3 months |
| Quebec | RAMQ | 3 months |
| Alberta | AHCIP | 3 months |
| Manitoba | Manitoba Health | None |
Most provinces have a 3-month wait. Buy private insurance during this period!