Understanding the Canadian Healthcare System

In Canada, residents and citizens are recipients of a socialized provincial insurance plan. Although the specific terms of what is covered might differ slightly by province, most of the major aspects remain the same. Trips to the doctor are free and do not include any type of co-pay. The cost for the healthcare is covered through our taxes.

In Ontario, the Ontario Health Insurance Plan or OHIP, covers the cost of every doctor visit, visits with specialists, admissions to the hospital, any necessary surgeries, and so on. Certain treatments are limited by their needed frequency. For example, OHIP will cover the cost of a Pap smear once every three years as that is the standard frequency recommended by Health Canada. In the event however that you test positive for HPV or have an abnormal reading, or have a family history that requires more frequent screenings, OHIP will cover the cost of those as well as they are deemed medically necessary to occur more frequently.

Similarly as someone with Crohn’s, I require frequent colonoscopies, more than might be otherwise covered, but don’t ever have to worry about paying for the procedure.

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Understanding the Canadian Healthcare System