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How Canada Life is supporting you during COVID-19. Learn more

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. Learn more

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. Learn more

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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 Régie de l'assurance maladie du Québec (RAMQ) manages the Québec Health Insurance Plan for all Québec residents. It provides coverage for most of your basic healthcare services.

To qualify, you must fulfill the requirements outlined in the Québec Health Insurance ActOpens a new website in a new window and comply with the rules for staying in Québec to remain eligible. These rules change depending on your reason for visiting or living in Québec. 

You are automatically registered for RAMQ if you are 65 or olderOpens a new website in a new window, otherwise you must apply for coverage unless you are already covered by a private group plan. 

Visit the RAMQ site to see if you qualifyOpens a new website in a new window or to register for health coverageOpens a new website in a new window

What’s covered with RAMQ
Prescription drugs

When purchasing drugs, you pay a deductible and co-insurance amountOpens a new website in a new window. Once you reach the maximum monthly contribution (including deductible and co-insurance amount), all remaining expenses that month are covered by RAMQ.

The provincial plan only covers drugs listed on the RAMQ drug formularyOpens a new website in a new window.

Ambulance You’re covered for in-province land and air ambulance when medically necessary if you are 65 years or older, injured in a road or work accident, or transported between two health and social service institutions. Some exceptions applyOpens a new website in a new window.
Dental benefits

You’re covered for some in-hospital dental surgeries depending on your age. Children 10 and younger are also covered for routine services and one examination per year.

Learn more about your dental service coverageOpens a new website in a new window.

Vision care

You’re covered for eye exams if you are under 18 years old or 65 years and older. Children under 18 years old are covered for glasses and contact lenses through the See Better to Success programOpens a new website in a new window.

Learn more about optometric services coverageOpens a new website in a new window.

Hospital Coverage may be available; however, no information is available on the Quebec website.
Paramedicals

No coverage for paramedical practitioners, except when rendered in a specific type of facility. 

Learn more hereOpens a new website in a new window.

Hearing aids and medical supplies The Hearing Devices ProgramOpens a new website in a new window helps pay for various hearing aids and devices including the purchasing, repairing or replacing of aids and devices. The eligibility requirements are dependent on age.
Nursing benefits and home care Temporary and long-term coverageOpens a new website in a new window is provided through the Local community service centresOpens a new website in a new window (CLSC), depending on your needs.
Medical supplies

Coverage of artificial limbs, canes, walkers, braces and other medical supplies for eligible residents. 

Click here to learn moreOpens a new website in a new window.

Eligible residents may be covered for ostomy appliances and supplies through the Ostomy Appliances ProgramOpens a new website in a new window.

Accidental death and dismemberment RAMQ does not provide any coverage for accidental death and dismemberment.
Out of country You’re partially covered for emergency out-of-country expensesOpens a new website in a new window with a limited daily or per-treatment maximum amount.

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

Government health coverage varies from province-to-province. Let’s build a plan so you and your family are protected.

These highlights from the Quebec 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:
Régie de l’assurance maladie du Québec

Service des opérations et des renseignements aux personnes assurées
P.O. Box 600
Québec, PQ G1K 7T3 

In Québec City, phone: (418) 646-4636
In Montréal, phone: (514) 864-3411
All other areas of the province, call toll-free: (800) 561-9749

QuebecOpens a new website in a new window

 

Last updated: March 2021