Basic Canadian Medicare Coverage

    Published: 06-16-2009
    Views: 10,485
    Mary Alexander from Home Instead Senior Care shares the basics on Canadian Healthcare.

    Mary Alexander: Hi! I am Mary Alexander from Home Instead Senior Care and today I'm talking about the basics of Canada's Health Act known by many Canadians as Medicare.

    Medicare was created to insure that all Canadian residents have access to hospital and physician services. In Canada, we have a national program made up of 13 provincial and territorial health insurance plans all of which share common features and basic standards of coverage.

    Each of the various provincial and territorial health plans are required to cover medically necessary hospital services provided to inpatients or outpatients, if the services are for maintaining health, preventing disease or diagnosing or treating an injury, illness or disability. The 13 plans must also cover medically required physician services rendered by medical practitioners.

    In addition, the Canada Health Act says those eligible to be insured cannot be denied coverage for inability to pay. Generally, if you are an official resident of a province or territory, you're eligible for Medicare.

    Residents moving from one province or territory to another, continue to be covered by their home province or territory during any waiting period for coverage. Under Canada's Health Act, each province or territory has its own health plan beyond the Federal governments required basics.

    Some plans include dental, vision and prescription benefits. Though there may be age restrictions, co-pays and deductibles, all of which can vary depending on where you live.

    For some services, such as Chiropractors, Home Health Care, Medical Equipment, Hearing-aids and Upgraded Hospital Rooms, you may need to purchase Supplemental Insurance. This insurance carries extra premiums and may also have deductibles and co-pays, but it can be very helpful to fill the gaps, because Medicare doesn't cover certain healthcare services.

    To learn more about Medicare and the services it covers, visit Health Canada at hc-sc.

    gc.

    ca. You can learn more about publicly covered health insurance through your provincial or territorial healthcare site.