While Canada’s public health insurance covers most hospital and physician services, other health care services may be treated as an out-of-pocket expense. Financial barriers to health care can lead to delayed treatments, skipped medications, and increased stress.
Fortunately, there are additional options to help manage the cost of your health care services:
- Financial assistance programs: There are programs that can help you pay for certain extended health care services, such as prescription drugs, dental care, or medical devices. These programs may be funded publicly, privately, or by non-profit organizations. Examples of these programs are the Non-Insured Health Benefits Program for eligible First Nations and Inuit people, provincial financial coverage programs for prescription drugs, and the Canadian Dental Care Plan.
- Exploring resource-limited health care services: Some health care services, such as psychotherapy services, can be made affordable or even provided at no cost to Canadians. Even if you have existing financial coverage, you may require support beyond what your plan covers. Look up your province’s health services website to find what options are available in your area.
Additionally, your employer may provide health benefits to fill coverage gaps. Connect with your employee benefits plan to learn more about the benefits available to you.
Understanding your options and advocating for your specific needs is essential when navigating the health care system in Canada. Whether through virtual care, seeking inclusive services, or managing financial barriers, there are strategies to help you access the personalized health care you deserve.
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