How the medical system in Canada works - family doctors, walk-in clinics, hospitals, pharmacies, public health insurance (such as MSP in BC and OHIP in Ontario), and private plans - is important for Canadians planning their move back to Canada and for people moving to Canada for the first time.
The purpose of this resource is to provide practical information to help you understand the most important aspects of the Canadian health care system, which are the parts you may need to access. I have worked with dozens of clients who shared medical system questions and concerns after their many years living in the U.S. or abroad and these questions and concerns caused them much anxiety. Not knowing if you will be safe in the Canadian health care system when you intimately understand and trust another country's system can be worrying, especially if you have serious and chronic health concerns.
Here is an email I received which is indicative of the concern over the differences in our health care systems:
Being a breast cancer survivor and knowing how quickly I received treatment following my diagnosis, I was looking for information on this site that would give me an idea of how this is handled in Canada. With cancer, you don't mess around. I'm gathering that cancer is not considered an emergency in Canada and, therefore, you could wait months (while it spreads) before receiving the treatment you need ASAP. Is this really the case?
As you might assume, I immediately emailed this person and clarified that this is NOT the case! Serious cancer situations are treated promptly and professionally in Canada, completely in accordance with its seriousness.
In 2018 I had the privilege of several in-depth conversations on the subject of the Canadian health care system with a Canadian physician who is also a senior provincial medical association leader and policy advisor to the Canadian federal government. The information presented in this document has been reviewed and edited with care and is in alignment with what was shared with me.
Please share your thoughts and experiences with the U.S. and Canadian health care system to help improve this resource.
|Who pays: The government of the province you live in pays almost all of your emergency and most of your elective health/medical care.||There are a variety of ways that your emergency medical and most of your elective care will be paid. Government, private health insurance companies, personal payments, and even donations are sources of money.|
|My costs? You may have to pay a modest monthly cost for your health care insurance. In BC, a single adult pays $37.50 per month currently. Low income households, students, and others do not have to pay.||Depending on your income and circumstances, you may have to pay hundreds or even thousands of dollars a month for your health care insurance.|
|What is covered? Your hospital care, specialist visits, most of your pharmaceuticals, and some extra costs are covered.||A variety of things are covered...or not covered. The system in the U.S. is complex and private health insurers have a profit incentive to pay for as little as possible. This means that every private health insurance plan coverage is different.|
|What is not covered? Eye care and dental care are not covered by public health care in Canada.||Optical care is often covered in the U.S., but dental is not usually covered by health care insurance.|
|Pharmaceuticals: A few pharmaceuticals available in the U.S are not available in Canada. Doctors here will assess your health situation and likely prescribe the same pharmaceuticals or a protocol that will meet your needs. Pharmaceuticals are generally much lower in price in Canada than in the U.S.||Almost all pharmaceuticals are available in the U.S. and are regularly prescribed by doctors for your needs. Pharmaceuticals are generally higher in price in U.S. than in Canada or most other countries in the world.|
|Philosophy: Canada's system is based on a "priority of need" philosophy.||The U.S. system is based on a "fastest treatment" and "customer" philosophy.|
|Wait times: Myth: There are long waits for real emergency care, including emergency surgeries. Fact: There are no waits in Canada when you have a real emergency that is life threatening. You get immediate care. Fact: You will have to wait for most non-urgent and elective surgeries in Canada. And for non-life threatening, but important surgeries, there can also be significant wait times. This is a real issue and cannot be sugar-coated.||You can get immediate emergency care. You can get fast elective surgeries and treatments.|
|Quality: Canada has modern, up-to-date hospitals with some of the newest and highest quality equipment available. Doctors, nurses, and other medical staff are world class.||The U.S. has modern, up-to-date hospitals with some of the newest and highest quality equipment available. Doctors, nurses, and other medical staff are world class|
|Advocacy: Having someone help you navigate the health care system in Canada, and advocate for you, is very advisable, especially in an emergency. The system is complex.||Having someone help you navigate the health care system in U.S., and advocate for you, is very advisable, especially in an emergency. The system is complex.|
|Just for context: Physician earnings. Doctors in Canada earn on average about CAD $340,000 (2018 numbers), minus the costs of operating their practices (subtract 30% +/-). Family doctors earn less than specialists. There are some hospital employee doctors, but most run their own practices or work out of shared drop-in clinics.||Doctors in the U.S. earn on average USD $380,000 (CAD $475,000), minus the costs of operating their practices (subtract 30% +/-). Family doctors earn substantially less than specialists. Many doctors work for private hospitals. Many work in their own or shared practices.|
We have acquired BC Care Cards and new family doctors, all in a relatively timely fashion.
...mandatory referrals and wait times to see specialists [in Canada] and great difficulty locating a family doctor. CT scans and MRI’s, which are frequent for me, seem to take weeks to schedule and even longer to be read and have the specialist follow up. All of this is a totally different matter in ________ [USA] where we both have our own team of specialists who liaise and share data with our internist but operate completely separately. Blood test and CT scans are scheduled in a day or two. 4 hours later we get the radiologists report and the scan. Blood test results are available online to us within 24 hours. So, you see the Canada scene is looking very different and very frustrating.
Note for context: The person who shared this and their spouse both have private health care plans and a high level of wealth they can use to pay for any health care they wish in the U.S. This is not the case for most returning Canadians.
If you are dealing with chronic and/or serious health concerns while living in the U.S., or further abroad, and are used to the speed of treatment for all your needs there, please think carefully about when to move back to Canada...or whether to move back at all. The last thing you need is aggravation of your health concerns and unnecessary worry while having to learn to navigate the Canadian health care system. Long waiting times in Canada for non-emergency specialist services are real. Note: Many Canadians who are willing to pay for faster service do use third-party countries like Mexico for common surgeries, dental care, and cosmetic surgery, for example.
You will not be fully covered by Canadian health care insurance when you travel or snowbird outside of Canada. You will have to purchase private "top-up" insurance to cover your travels and time outside of Canada.
Note: You must be resident in Canada for most of the year to be covered by Canadian health care, and stay covered. It varies a bit by province, but typically this is 6-9 months at least.
Vaccinations are a complex and very contentious topic right now, both in Canada and in the U.S., so just the facts:
Health care is a complex topic in Canada, the U.S., the UK, and in many other countries.
If you are planning to move back to Canada, or move here for the first time, please educate yourself about the Canadian health care system.
If I can be of support for your move to Canada, and your understanding of the Canadian health care system as part of that move, please engage my professional support services. I will be pleased to help!
This resource is updated regularly, but the topic of health care in Canada is so big, and so complex, that not everything can be explained fully and some things will change each year.
Please contribute your learning and experiences, and suggest improvements, so that other Canadians moving back to Canada, and those moving here for the first time, may benefit from your wisdom.
Latest update to this resource: April 2019.