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Empire Ins. Top ONEmpire Ins. Top ON

Provincial health insurance

Region: Ontario Answer # 2735


Canada maintains a universal health care system that provides health care services paid for by money collected from taxes. In Ontario, the government administers the Ontario Health Insurance Plan, called OHIP, which generally pays for health care services received by Ontario residents with a valid health card. This includes services such as doctor’s visits, emergency services and hospital stays.

There are common types of treatment that are not insured by OHIP or are only partially insured. Generally, dental treatment is not covered by OHIP.  Chiropractic care is also not insured by OHIP, but can be by private health care plans. Treatment by a physiotherapist is only covered by OHIP in certain cases, such as if you are 19 years old or younger, or 65 or older. Visit ontario.ca for more information on government-funded physiotherapy.

OHIP+ Children and Youth Pharmacare Plan

Under Ontario’s OHIP+ plan, anyone who is 24 years old and younger who is covered by OHIP and is not covered by a private insurance plan does not have to pay for prescriptions for more than 4,400 drug products currently available through the Ontario Drug Benefit (ODB) plan. Individuals do not have to enrol in the program, as coverage is automatic and ends on the individual’s 25th birthday. For more information, refer to topic 695 Who and what are covered by OHIP?.

Get help from a life insurance advisor

Understanding life insurance and what is best for you can be overwhelming. It is important to get professional advice for your unique situation, and it is more affordable than you think. Life insurance can protect your family, your home and your business. For a free consultation and quote, contact an Empire Life Insurance advisor.

Empire INS Bottom ONEmpire INS Bottom ON


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