Join the Scotiabank StartRight® Program designed for Newcomers‡ and get up to $2,200* in value in the first year.
Canadians are proud of the universal, publicly-funded healthcare system that permanent residents can access! Many newcomers have questions about free health in Canada and how to access it. It’s vital to know the healthcare requirements for new immigrants and to follow the steps to apply for provincial health insurance. Applying as soon as you arrive will help you get government insurance faster. However, there may be a waiting period and other requirements to meet. Free medical care when you or a family member are sick or have an accident can save you worry and costly out-of-pocket expenses. Here’s what to know about healthcare in Canada!
Canada has 13 separate provincial and territorial health care insurance plans. It does not have a single national plan. So, you must apply for health insurance in the province where you plan to settle. This overview describes how to apply for government health insurance and how the Canadian healthcare system works.
If you are now in Canada, you must follow the steps to access free health care and apply for a provincial health card. Once you are approved, you will receive your provincial health card. The health card shows that your provincial healthcare program will cover your medical expenses. You must show your health card whenever you visit a doctor or receive medical care.
Completing a healthcare application is the first step. You can get an application form from a:
You can also apply online (see links to Provincial and Territorial Health Care Programs in Canada) below.
Settlement agencies can help you complete the application and provide more details. If you are already in Canada, click here to find free newcomer services near you.
While Canadians and permanent residents do not pay a fee to visit the doctor or hospital, healthcare is not entirely free. Here’s an overview of who pays for the Canadian healthcare system.
Under Canada’s health care system, hospital stays for surgery, to treat an illness, or maternity services (such as childbirth, pre-and post-natal care, newborn care, and pregnancy complications are covered.) So are medications while in the hospital.
You do not have to pay the clinic, hospital, or physician directly, and there are no deductibles or fees for insured services. However, some services are only partially covered and require a fee for service from that patient. There are some “uninsured” services, meaning they are not covered at all.
For most Canadians, the cost of healthcare is covered by these three sources:
Federal and provincial tax revenue covers more than 70% of healthcare spending for basic services like hospital visits and medical treatment. Each year, Canadians file a personal income tax return and a portion of the taxes pay for programs and services like health insurance. So, while you don’t pay directly, you do pay indirectly for healthcare in Canada.
Your employer may offer a health care benefits package. Many immigrants to Canada are unaware that many companies offer their employees benefits. A benefits package will cover some, or all of the costs for dental, medications, and other services not covered by a government healthcare program.
Most workplace healthcare benefits cover health, dental, vision, and prescriptions that provincial healthcare programs don’t cover. Workplace health insurance benefits can vary depending on the employer. Workplace healthcare benefits may also cover your spouse and dependents.
Canadians in every province can purchase additional private travel medical health insurance to cover services not covered by a government health care program, or an employer’s health care benefits program.
Private health insurance can fill the gap between what the provincial healthcare programs cover and what you pay for dental care, vision, care, and more. Also, new immigrants must meet provincial health insurance requirements before receiving coverage. For peace of mind, you can buy private health insurance for medical needs while you wait for provincial health insurance to cover you.
When you begin working, you can join your employer’s healthcare plan. Your employer will discuss the healthcare coverage they provide.
Apply for health care coverage soon after you land in Canada. Unfortunately, you cannot apply for health care coverage before you arrive in Canada.
It can take newcomers up to three months to get provincial healthcare insurance. Some provincial healthcare programs have a wait period before you are eligible to apply for coverage and your health insurance starts. In British Columbia, for example, new immigrants must wait 180 days to be eligible for healthcare.
You may also have to meet specific health insurance requirements for new immigrants.
While you wait for coverage, you may want to buy private health insurance.
This table has links to provincial and territorial healthcare programs and identifies if there is a waiting period for permanent residents:
| PROVINCIAL HEALTHCARE PROGRAM | HEALTHCARE REQUIREMENTS FOR NEW IMMIGRANTS |
|---|---|
| Alberta Health Care Insurance Plan (AHCIP) | Wait Period: Permanent residents are eligible for AHCIP. But, you must meet health insurance requirements and it takes time to check your eligibility and process your application. Coverage begins on the first day of the third month following the date you establish residency. Apply here. |
| British Columbia Medical Services Plan (MSP) | Wait Period: New immigrants are required to complete a three-month wait period before their health insurance coverage begins. Coverage begins after the balance of the month you establish residency plus two months. |
| Manitoba Health, Seniors and Active Living | Wait Period: Permanent residents can apply for coverage on arrival in Manitoba. Permanent residents and students must wait three months before their health insurance begins. Coverage eligibility is based on your proof of legal status in Canada and Manitoba residency |
| New Brunswick Medicare | Wait Period: Permanent residents must wait three months from the date of arrival in New Brunswick before applying for coverage. |
| Newfoundland and Labrador Medical Care Plan | Wait Period: Immediate coverage |
| Northwest Territories Health Care Plan | Wait Period: Coverage begins when your application is approved. |
| Nova Scotia Medical Services Insurance (MSI) | Wait Period: New immigrants and permanent residents can apply for coverage upon arrival and receive first-day coverage. |
| Nunavut | |
| Ontario Health Insurance Plan (OHIP) | Wait Period: You must be present in Ontario for 153 days in your first 183 days after submitting your OHIP application. |
| Prince Edward Island | Wait Period: |
| Quebec | Waiting period of up to three months |
| Saskatchewan | Coverage begins within six to eight weeks of your application date |
| Yukon | Coverage begins after three months |
To protect yourself from unexpected healthcare costs, you can buy private insurance.
Arriving with an action plan for your first weeks in Canada can save you time and money. The quicker you settle into your new environment the faster you’ll feel at home! In this webinar, Your First Weeks in Canada, we discuss the important things to do to manage your first weeks efficiently.
REGISTER FOR THE WEBINARThe free healthcare that Canadian citizens and permanent residents enjoy gives you access to basic medical services. But, not everything is covered. So, consider what coverage you need if you settle in a province with waiting periods. Also, consider the needs of your family, for example, does anyone have extensive health costs that aren’t covered by a provincial healthcare program or an employer’s healthcare benefits program?
It’s better to be safe than sorry. With private insurance, you can begin your new life in Canada without a costly bill for a medical need.
Provincial healthcare requirements for new immigrants vary, but generally, you must prove your Canadian citizenship or immigration status to apply. You will require these documents:
Confirm if you need other documents with the provincial or territorial health care program where you plan to settle.
If you lose your health care card, contact the provincial health ministry to replace your card as soon as possible. You may have to pay a small replacement fee. You are required to show your health insurance card to receive free healthcare in Canada.
It’s a good idea to carry your health card in your wallet in case of a medical emergency. In an emergency, hospitals will treat you without seeing your card first but, you will have to show your card later if you want the province to cover your hospital bills.
Most Canadians have a family doctor or “GP” (general practitioner). When you have provincial healthcare insurance, you must find a GP. Your GP will be your first contact with the healthcare system. With a shortage of medical doctors, it may take time to find a family doctor.
To find a family doctor:
Doctors control or direct their patients’ access to most healthcare specialists. Your family doctor will:
If you have a medical emergency, go to the emergency room at the nearest hospital. For non-emergencies, you can schedule an appointment with your family doctor for treatment or a referral to a health care specialist.
Click on the province or territory where you plan to settle to learn more about healthcare requirements for new immigrants.
Provinces:
Alberta: Alberta Health Care Insurance Plan (AHCIP)
British Columbia: Medical Services Plan (MSP)
Manitoba: Health, Seniors and Active Living
New Brunswick: New Brunswick Medicare
Newfoundland and Labrador: Medical Care Plan (MCP)
Nova Scotia: Medical Services Insurance (MSI)
Ontario: Ontario Health Insurance Program (OHIP)
Prince Edward Island: Health PEI
Quebec: Québec Health Insurance Plan
Saskatchewan: eHealth Saskatchewan
Territories:
Northwest Territories: Health and Social Services
Nunavut: Nunavut Health Care Plan
Yukon: Yukon Health Insurance Plan
It’s vital to know the healthcare requirements for new immigrants and follow steps to apply for provincial health insurance. Applying soon after arriving in Canada will ensure you get government insurance faster. However, there may be a waiting period and other requirements to meet. Free medical care when you or a family member are sick or have an accident can save you worry and costly out-of-pocket expenses.
You can bring a 90-day supply of any prescription medication that you currently take to continue your medical treatment. However, you must follow Health Canada guidelines and:
2. Have the original label on the packaging to show what the health product is and what it contains
3. Have a valid expiration date (for example: within 90 days of your arrival). This is a common question.
You can bring medication that is prescribed to you or anyone that you’re responsible for who is coming to Canada with you.
You can bring:
Once in Canada, you must visit a Canadian doctor to refill or get a new prescription. You cannot use a foreign prescription in Canada. You cannot import prescription medicine by mail or courier.
Tips:
Your Alberta health card is a government-funded service that will cover many basic costs related to your medical needs. Canada has a great healthcare system that strives to provide free, universal healthcare for all its residents. Your Alberta health card will cover many medical costs for you in Alberta, as well as the rest of Canada. In this guide, we’ll look at how to apply for your Alberta health card.
Alberta is known throughout Canada for its breathtaking scenery and low taxes. It also has a great health care system in place. The Alberta Health Care Insurance Plan (AHCIP) provides Alberta residents access to free medical services. AHCIP covers the cost of many medical services you would have had to pay for otherwise. Generally speaking, any medical service that is considered necessary is covered by AHCIP.
Your Alberta health card will cover many basic health care services. From annual eye exams to ambulance transportation costs, your Alberta health card has got you covered. Below are some of the services that AHCIP covers:
Some services are only partially covered by your health card. These services include:
To access a bigger list of what is and isn’t covered by AHCIP, click here.
While you’re for coverage from the Alberta health insurance program, you may want to purchase travel medical health insurance to cover unexpected medical expenses.
Applying to AHCIP involves a few simple steps. The government has made it easy to apply for an Alberta health card. As long as you follow each step, you will have your Alberta health card in no time.
You will need certain documents when you apply. These documents will prove that you are who you say you are. They will also prove that you are eligible for AHCIP.
When you apply for your Alberta health card, you will have to provide documents to show:
Proof of residency can be anything that proves you live in Alberta. To prove you live in Alberta, you can provide any of the following documents:
Any documents with your name and signature will count as proof of identity. However, to be safe, check the health ministry website to confirm acceptable documents. Some examples of proof of identity include:
It is important not to confuse this requirement with proof of residency. This document requires you to prove you legally live in Canada. On the other hand, proof of residency requires you to prove you live in Alberta. Documents that prove your legal entitlement to be in Canada include:
Without a document from each of these categories, you will not be able to file your application for AHCIP. Because of this, it is important to bring all the documents you need to apply for an Alberta health card. Click here to access the full list of documents that are accepted.
You will also need to fill out an application form to apply for an Alberta health card. The application form is accessible online. You can access the application form by clicking here. If you need help, many settlement agencies can help you apply.
After obtaining your three documents for proof and filling out the application form, you are ready to apply. In Alberta, you have the option to apply in person or by mail. In both cases, the application process is very similar.
To apply in person, you can visit a participating Alberta registry office. To file your application, you must bring your three original documents and the completed application form. Photocopies will not be accepted when you apply in person. To find the nearest participating Alberta registry office near you, click here.
Applying by mail is slightly different than applying in person. You will still need your application form and your three documents. However, you are not required to send in the original version of your documents. Therefore, you will have to get photocopies of your three original documents to mail to the AHCIP office.
Keep in mind that it might take longer to process your application if you send it in by mail. If you can, it is better to apply in person. That way, there is less room for error and you can start using AHCIP right away.
If you have recently arrived in Ontario, an important first step is to apply for your Ontario Health Card. Canada is known throughout the world for its easy-to-access universal health care. Free health care is a source of pride for Canadians. Since health care is a provincial responsibility, each province has a slightly different approach to providing free, universal health care. In this article, we look at Ontario’s health care system and the Ontario health card application process.
The Ontario Health Insurance Plan (OHIP) provides free basic health care services to Ontario residents. To access free health care in Ontario, you must apply for an OHIP health card. OHIP will cover appointments with your family doctor, visits to walk-in clinics, and regular eye check-ups, to name some of the services.
Before you submit your Ontario health card application, make sure that you meet the three basic eligibility requirements AND at least one of the additional requirements.
To meet basic requirements, you must:
Additional requirements:
You must also meet at least one of these additional requirements. For example, you are:
If you meet all the requirements you are eligible to apply for OHIP. Now comes the question, how exactly do you apply for OHIP to get your Ontario health card? Let’s go through the Ontario health card application process, starting with what you need to apply.
You can apply for OHIP as soon as you arrive in Ontario.
Arriving with an action plan for your first weeks in Canada can save you time and money. The quicker you settle into your new environment the faster you’ll feel at home! In this webinar, Your First Weeks in Canada, we discuss the important things to do to manage your first weeks efficiently.
REGISTER FOR THE WEBINARTo apply for an Ontario health card, you can visit the nearest ServiceOntario location. You must present the following three documents:
Note: All documents that you bring with you must be original documents. Service Ontario Centers usually don’t accept photocopies. To be safe, click here to find what documents will be accepted as your three proofs.
Once you have your three documents, what is the next step? You have to apply for OHIP in person. To apply for OHIP, you will have to visit a ServiceOntario Center. Almost every municipality in Ontario has a ServiceOntario. Click here to find the nearest ServiceOntario location.
At a ServiceOntario center, you will complete some forms before you can submit your health card application. After that is out of the way, you will meet with a ServiceOntario employee and present your three documents along with any forms. The employee will go through your documents and take a photo of you to go on your health card.
Once you have cleared everything, you will get a receipt that tells you when your OHIP coverage begins. Since Ontario has a waiting time on health cards, your coverage won’t begin right away. Once your OHIP coverage begins, your Ontario health card will be mailed out to you. It’s as simple as that!
The biggest question newcomers have about Ontario’s health card is what exactly can you use it for? OHIP covers a wide range of medical services but not everything is included. In this section, you will get a clearer sense of what your Ontario health card will cover.
It is a common practice to get a family doctor in Ontario. OHIP covers visits to a family doctor. A family doctor is the first doctor you make an appointment with when you have a health concern that isn’t an emergency. To search for a family doctor, click here.
If you need to stay at the hospital, OHIP covers doctor and nursing services, medical tests, medications while you’re in the hospital, accommodation, and meals. However, if you want a private or semi-private room, you pay some or all of the fees or through private travel medical health insurance.
OHIP covers dental surgeries that take place in a hospital. Dental surgeries can be complicated and often cannot be performed at your dentist’s office. OHIP covers you if you go to the hospital for dental surgery.
OHIP covers annual eye check-ups for residents aged 19 years and younger or 65 years and older. If you are between 20 and 64, you will only get OHIP coverage if you have a medical condition affecting your eyes. You will also get OHIP coverage if your family doctor refers you for an eye check-up.
If you live in Northern Ontario, OHIP might cover travel costs to a health facility. Since the northern areas of Ontario are farther from medical services, the government helps residents pay for healthcare-related transportation. If you live near the following areas, you might get OHIP coverage for transportation:
These are just some of the basic services that OHIP covers. To get a more in-depth understanding of what your Ontario health card will cover for you, click here.
As a newcomer, it is natural to have questions about OHIP and health cards. Let’s look into some common questions newcomers have about their Ontario health cards.
The short answer is yes, OHIP will cover you outside of Ontario. The level of coverage depends on where you are though. If you travel to another province in Canada, you will get almost the same coverage you would get in Ontario. Quebec is a little different so you might have to pay some extra fees even with OHIP.
If you are travelling outside of Canada, OHIP doesn’t become completely useless. You might still get some coverage from OHIP, especially if you travel to the United States. However, the coverage will be minimal and you will have to pay mostly by yourself. In this case, it’s wise to purchase private travel insurance. With a Canada travel health insurance plan, you avoid situations that could result in significant medical expenses if an illness or accident occurs.
If you lose your Ontario health card, the first thing to do is call ServiceOntario to report it lost. By doing this, your lost card will immediately be disabled and you will be sent a new card right away. However, If there are any information changes on your card, such as address change, you will need to visit a ServiceOntario center.
If you are moving to Saskatchewan, you must register for a health card to receive health benefits. It’s vital that you apply for your Saskatchewan health card soon after you arrive because you may have a waiting period of up to three months before you receive coverage. As well, you can only apply for a health card after you arrive in Canada. Learn more about the Saskatchewan health plan, who is eligible, and how to obtain your health care card. This is vital information for newcomers so you know how to benefit from Saskatchewan’s healthcare system and ensure your health and wellness.
Usually, your health coverage begins on, or before, the first day of the third month after you arrive in Saskatchewan. For example, if you arrive on September 27th, your coverage would begin on December 1. However, You may be eligible for benefits on your first day of arriving in the province if you belong to any of these special classes of newcomers:
To find out if you can skip the waiting period, it’s best to contact eHealth Saskatchewan or call toll-free: 1-800-667-7551.
Canadians are proud of their privilege and access to one of the greatest healthcare systems in the world. Canada’s universal health care system is funded by tax dollars and Canadian citizens or permanent residents can apply for public health insurance.
Because health care is the responsibility of the provinces and territories in Canada, each province may have slightly different plans. So, it’s important to understand what the health plan covers in the province that you move to. Here’s what you need to know about health care in Saskatchewan and how to apply for a health card.
Many, (but not all) health care services are free if you have a Saskatchewan health card. For example, with your health card, any necessary medical services provided by a doctor are free (this includes both inpatient and outpatient services). Other services are covered in part, and some services are not covered.
However, not all health care services are free. Some services are only covered for a part of the cost and you are responsible to pay the rest of the cost.
But, many employers provide additional health insurance to their full-time employees to help cover some of the costs that the public health care plan doesn’t cover. So, be sure to find out if your employer offers health insurance, what the plan covers, and how much they cover.
If your employer does not provide health insurance, you can purchase private health insurance to pay for health expenses for you and your family.
To apply for a health card, you’ll need supporting documents for you and each family member under the age of 18:
For Permanent Residents, proof can include a document such as:
For Foreign Nationals proof can include a:
If you need help to complete your health card application, many settlement agencies can help you with this, along with many other free services.
Your Saskatchewan health card ensures you receive the medical care you and your family need. So to apply for a health card, follow these three simple steps:
2. Ensure you have the supporting documents (proof that you can live in Canada and proof of residency as listed above)
3. Start your online application. (Register for an account as a New User to complete your application).
Or you can print this Health Card Application Form, complete it, and send it with the required documents to:
eHealth Saskatchewan
2130 11th Avenue
Regina, SK
S4P OJ5
If you are an international student, you may be eligible for Saskatchewan health coverage. You will have to show proof of full-time enrolment at an accredited school and a valid Study Permit from Immigration, Refugees and Citizenship Canada.
You can only apply for your health card when you arrive in Saskatchewan. And, be sure to apply for it as soon as you arrive because you may have up to a three-month waiting period.
To qualify, you must be a resident of Saskatchewan and reside in the province for at least six months per year. Your health coverage will begin when your application is approved.
While you are waiting for access to public health care, you may want to purchase private travel medical health insurance to cover any health care costs or emergencies.
Yes, if you are travelling within Canada and need medical services but, you need to show your Saskatchewan health card. So, be sure to carry your health card with you at all times. Provinces (except Quebec) and territories have an agreement to cover the cost of necessary medical services. The province of Saskatchewan will reimburse the host province’s costs.
However, some services are not covered such as hospital transfer, ambulance, and return transportation to Saskatchewan. If you have private insurance, your insurance company may pay for these additional services. But, check with your insurance provider to find out what they will cover.
Medical services may be much higher outside of Canada. And, you are responsible to pay the amount above what the Saskatchewan health plan covers. When travelling outside of Canada, it’s best to buy additional travel insurance.
Physician, Surgeons or Specialists: Find a physician who is taking new patients in Regina, SK.
Immunization Services: Learn about programs and when to get immunized.
Primary Health Care: Get help to find a family physician in Saskatchewan and support to navigate the health system.
Emergency Medical Services: Find ambulance, emergency 911, hospitals, and poison control services.
Notification of Updated Immigration Document: Complete this form if you have an updated document such as a work permit, study permit, visitor record, or permanent resident card.
One of the greatest benefits for newcomers is access to world-class and publicly-funded healthcare. This information ensures you know how to apply for a Saskatchewan health card for you and your family’s well-being.