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Provincial and territorial government health and dental plans

An intro to Canada’s health care system

The public health care system is designed to ensure all Canadian residents have reasonable access to health and dental care. Canada doesn’t have a single national plan, but 13 separate provincial and territorial health care insurance plans.

What’s covered by a provincial or territorial health and dental plan?

Provincial and territorial plans pay for your basic healthcare and dental services and needs, and what’s covered will vary depending on where you live. Generally speaking, these plans will cover things such as visits to the hospital or doctor, but may not cover other healthcare or paramedical services.

What’s available beyond provincial and territorial health and dental plans?

You may have coverage through your provincial or territorial health and dental plans, but they’re tailored to meet the average needs of Canadians. You might also have coverage through your workplace benefits.

If you don’t have coverage through your workplace benefits, you can tailor personal health and dental insurance to you and your family’s lifestyle to make sure you have the coverage you need.

Workplace benefits

Many employers in Canada offer workplace benefitsOpens in a new window that can be extended to cover your spouse and dependants. The coverage available will vary depending on employer or workplace, but most plans will cover costs such as health, dental, vision and prescription drugs.

Personal insurance

PlanDirect™ can help fill the gap between your provincial or territorial coverage and what you pay for things like prescription drugs, dental care, vision care and more. Coverage is guaranteed for some plans and you qualify even with pre-existing medical conditions. Find out more about what PlanDirect covers to see if buying personal insurance is right for youOpens in a new window and your family.

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This information is general in nature,  and is intended for informational purposes only.  For specific situations you should consult the appropriate legal, accounting or tax advisor. Canada Life and design and PlanDirect are trademarks of The Canada Life Assurance Company.