Canada’s Healthcare System for Temporary Residents: Costs and Drug Coverage with Private Insurance

Canada has one of the best public healthcare systems in the world. However, for newcomers with temporary visas (such as student, work, or even tourist visas), the rules and access to healthcare services can differ. Below is a comprehensive overview:

1. Canada’s Healthcare System

Canada provides publicly funded healthcare, offering most essential medical services free of charge to citizens and permanent residents. These services are accessed through provincial or territorial health cards.

Important Note: Individuals with temporary status (Temporary Residents), such as students or workers, are generally not eligible for these free services unless they meet certain criteria.

2. Healthcare Access for Temporary Visa Holders

Access to public healthcare for temporary residents depends on the province of residence and the type of visa held.

a) Provinces Offering Public Health Coverage to Temporary Residents

• British Columbia (BC)
  Temporary workers and students with long-term permits (typically over 6 months) can register for the Medical Services Plan (MSP).
  There may be a 3-month waiting period.

• Alberta
  International students and temporary workers with valid visas are usually eligible for public coverage.
  Registration is possible from the first day of arrival.

• Ontario
  Only work permit holders with a full-time contract lasting more than 6 months can apply for OHIP (Ontario Health Insurance Plan).
  International students are not covered under OHIP.

• Quebec
  International students from countries with a reciprocal health agreement (e.g., France, Belgium) are covered.
  Work permit holders typically qualify for provincial coverage.

• Saskatchewan and Manitoba
  Temporary workers and international students are usually eligible for provincial health plans.

b) Provinces Without Public Health Coverage for Temporary Residents

In provinces like Prince Edward Island (PEI) or Nova Scotia, temporary residents may need to purchase private health insurance.

3. Private Health Insurance

If you’re not eligible for provincial healthcare, private insurance is required. Various companies offer plans for newcomers with temporary visas. These usually cover

• Basic medical visits

• Emergency care and hospitalization

• Sometimes prescriptions, dental care, vision, or other services

Approximate Monthly Costs

Costs vary based on plan coverage, provider, duration, age, and health status.

Popular Private Insurance Providers

• Manulife

• Sun Life

• Allianz Global Assistance

• Blue Cross

4. Prescription Drug Coverage with Private Insurance

In Canada, prescription drugs are not generally covered by public healthcare (except in specific programs for seniors, children, or low-income individuals). For temporary residents, private insurance determines drug coverage.

Key Points

• Some private plans fully or partially cover prescription drugs.

• Most plans include:

  • Deductibles: The amount you pay before coverage starts.

  • Co-payments: A percentage of the cost you must pay (e.g., 20%).

Example

• A $100 medication might only cost you $20–$30 with private insurance.

• Insurance companies often have a formulary list of approved drugs. Medications outside this list may not be covered.

Filling Prescriptions

• You need a doctor’s prescription to buy most medications.

• Pharmacies usually bill the insurance company directly; you pay only your portion.

• If not covered, you must pay the full amount out of pocket.

5. Main Differences: Private vs. Public Drug Coverage

6. Tips to Lower Drug Costs

• Review your insurance plan: Ensure it covers prescriptions or buy a supplemental plan.

• Choose generic drugs: These are more affordable and equally effective.

• Ask your pharmacy: Some offer discounts or assistance programs.

• Manufacturer programs: Some drug companies offer patient support for expensive medications.

Conclusion

The cost of private health insurance for newcomers with temporary visas in Canada varies between $50 to $200 per month depending on the plan and provider. When it comes to prescription drugs, having private insurance can significantly reduce costs—but always read your policy carefully and explore options to save money.