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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 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 Act 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 older, otherwise you must apply for coverage unless you are already covered by a private group plan. 

Visit the RAMQ site to see if you qualify or to register for health coverage

What’s covered with RAMQ
Benefit Coverage details
Prescription drugs

When purchasing drugs, you pay a deductible and co-insurance amount. 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 formulary.

The Quebec government launched the Biosimilars Initiative which means RAMQ will only cover the biosimilar versions of eligible drugs.

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 apply.
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 coverage.

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 program.

Learn more about optometric services coverage.

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

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

Learn more here.

Hearing aids and medical supplies The Hearing Devices Program 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 coverage is provided through the Local community service centres (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 more.

Eligible residents may be covered for ostomy appliances and supplies through the Ostomy Appliances Program.

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 expenses with a limited daily or per-treatment maximum amount.

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

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


Last updated: April 2022

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