Why travellers prefer Blue Cross
When it comes to health insurance in Ontario, one of the most common topics people wonder about the costs not covered by OHIP. Most people are aware of the basics, such as doctor’s visits and emergency health care, but what about other medical costs?
Costs that are not covered can sometimes be a grey area and cause some misunderstanding. Some services are covered, some are only partially covered and some are not covered at all.
David Jensen, spokesperson for the Ministry of Health and Long-Term Care, sheds some light on this topic in an article published in the Canadian Newcomer Magazine:
“OHIP provides funding for medically necessary physician services, certain dental services that are required to be performed in a hospital, and certain practitioner services that are therapeutically necessary.”
Jensen adds that a number of factors also come into play regarding whether you are covered, including:
Therefore, you may or may not be covered, depending on your specific situation. If you have questions, it’s important to talk to your physician or health care service provider before you undergo treatment. Visit Ministry of Health and Long-Term Care for more information.
Here is a list of services that are typically not covered:
There are also many services from your family physician that are not covered, including:
You a few options for paying for health care services that are not covered:
Extra health care costs can add up in a hurry, and this is why it’s important for you to protect yourself and your financial situation by having an emergency fund or investing in a supplemental health insurance plan.
Purchasing private medical health insurance is a great option for individuals who do not have extra health insurance through an employer.