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The Great-West Life Assurance Company, London Life Insurance Company and The Canada Life Assurance Company have become one company – The Canada Life Assurance Company. Discover the new Canada Life

The Great-West Life Assurance Company, London Life Insurance Company and The Canada Life Assurance Company have become one company – The Canada Life Assurance Company. Discover the new Canada Life

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Freedom 55 Financial is a division of The Canada Life Assurance Company and the information you requested can be found here.

The Ontario Health Insurance Plan (OHIP) is the provincial plan for all Ontario residents. It provides coverage for most of your basic healthcare services.

To qualify, you must be a resident of Ontario for at least 5 months. Certain exceptions apply.

What’s covered with OHIP
Benefit Coverage details
Prescription drugs

Generally, the province doesn't pay for prescription medicine if you’re between the ages of 25 and 65. The Ontario Drug Benefit program covers seniors 65 years and older, recipients of social assistance and adults 24 years or youth younger who aren’t covered by a private insurance plan.

The provincial plan only covers drugs listed on the Ontario drug formulary.

The Ontario government has launched their Biosimilars Initiative which means the Ontario Drug Benefit program will only cover the biosimilar versions of eligible drugs. 


You’re covered for in-province land and air ambulance when medically necessary and responsible for a copayment. Some exceptions apply.

Learn more about ambulance service billing information.
Dental benefits

You’re covered for some in-hospital dental surgeries in Ontario.

There is no coverage for routine or major services such as cleanings, fillings, extractions, crowns, dentures, etc. You also aren’t covered for treatment of accidental injury to teeth.

Vision care

You’re covered for 1 major eye exam every 12 months if you are 19 years and younger, 65 years and older or 20-64 years old with medical conditions requiring regular eye exams.

You aren’t covered for prescription glasses or contact lenses.

Learn more about eye exam coverage.
Hospital You’re covered for standard ward rooms only. Learn more about hospital stays.

You’re covered for podiatrist services up to an annual maximum of $135, with additional fees for x-rays.

You aren’t covered for chiropractor, psychologist, massage therapy or naturopath services.

Find out what podiatry services are available.
Assistive Devices Program (ADP) including hearing aids

The Assistive Devices Program (ADP) covers up to 75% of the cost for various customized equipment and supplies for people with long-term physical disabilities. You pay 25% of the cost when buying equipment and you are not covered for repairs or maintenance of equipment or supplies.

You need to qualify to be covered.

Nursing benefits and home care Home care coverage varies by need. If you qualify, the Ontario government provides coverage for a variety of services in your home and community.
Accidental death and dismemberment OHIP does not provide any coverage for accidental death and dismemberment.
Out of country

Coverage for emergencies only through the Out-of-Country Travellers Program.

The province also covers out-of-country dialysis services, for Ontarians living with kidney failure.

Personal health insurance can help supplement your coverage where you need it most.

These highlights from the Ontario Health Insurance Plan are for general reference only and are subject to change, corrections and updates. Other government programs may also be available. For more information on the latest coverage details, contact the Ontario Health Insurance Plan:

Phone: 416-314-5518
Toll free in Ontario: 1-800-376-5197
TTY: 1-800-387-5559


Last updated: May 2023

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