You may have heard that healthcare in Canada is provided by the government and is free. While it’s true that basic health needs are covered by government-funded provincial and territorial health insurance, there are certain services and items that may not be included. These can include prescription medicines, dental treatment, physiotherapy, special nursing services, ambulance services, prescription eyeglasses, durable equipment like wheelchairs, critical illness or severe injury coverage, and medical expenses incurred while traveling.

To cover these specific services, private or supplementary health insurance plans are available from various providers. Here are some key factors that influence the cost of health insurance:

1. Services Covered: The extent of coverage, such as prescription medicines, dental care, physiotherapy, prescription eyeglasses, disability, critical illness, and long-term care, will affect the cost of your plan.
2. Percentage of Coverage: Plans with higher coverage and lower out-of-pocket expenses or deductibles tend to be more expensive.
3. Number of Individuals Covered: The cost of insurance varies depending on whether the plan covers only yourself or includes family members as well.
4. Age, Health History, and Pre-existing Conditions: These factors can impact the cost of health insurance.
5. Province of Residence: Different provinces may have varying healthcare costs and insurance options, which can affect the overall price.

How Much Does Private or Supplemental Health Insurance Cost in Canada?

On average, Canadian families spend around $4,000 CAD per year on private or supplemental health insurance. However, the cost can vary based on factors such as coverage, deductible, number of dependents, age, health history, and province/territory of residence.

To provide some perspective, here are average costs for certain exams, treatments, and procedures in Toronto:

• Dental Procedures: A root canal typically costs around $800 CAD, tooth fillings range from $80 to $350 CAD, and dental cleaning can cost approximately $300 CAD.
• Eye Exam and Prescription Eyewear: The price for an eye exam and prescription eyewear can range from $75 to $250 CAD or more. Eye exams are generally not covered by public healthcare, except for certain cases such as children, seniors, and medical necessities. Eyeglasses average around $150 CAD.

Giving Birth in Canada as a Permanent Resident (PR)

If you are a permanent resident giving birth in Canada, your expenses are covered under the government-funded health insurance. Additional costs may arise if you choose a private postpartum room, which could cost a few hundred dollars unless covered by private or supplemental insurance.

Tip: Many employers in Canada provide health insurance as part of employee benefits, which often include coverage for eye care or dental care. Therefore, it’s recommended to check the plans offered by your employer before purchasing private health insurance.

To familiarize yourself with how healthcare operates in Canada, you can read “Healthcare in Canada: Basics for newcomers.” Additionally, if you’re starting a family in Canada, it’s helpful to learn about healthcare, financial support, and other considerations.