If you live in the Canadian province of Ontario, you will have the Ontario medical insurance plan that will help cover most of the medical expenses but they might not be adequate to cover everything. It is advisable that use private medical insurance to complement the medical plan provided by the province.
The monthly health insurance rates would vary depending on the age of the individual and there are various plans to choose from.
Plan 1:
Age 0-44 – $54.00 (individual), $103.00 (couple) and $142.00 (family).
Age 45-54 – $62.00 (individual), $119.00 (couple) and $167.00 (family).
Age 55-64 – $77.00 (individual), $148.00 (couple) and $207.00 (family).
Age 65 and above – $68.00 (individual), $129.00 (couple) and $160.00 (family).
Plan 2:
Age 0-44 – $94.00 (individual), $178.00 (couple) and $263.00 (family).
Age 45-54 – $104.00 (individual), $201.00 (couple) and $294.00 (family).
Age 55-64 – $122.00 (individual), $232.00 (couple) and $343.00 (family).
Age 65 and above – $108.00 (individual), $207.00 (couple) and $270.00 (family).
Plan 3:
Age 0-44 – $120.00 (individual), $231.00 (couple) and $310.00 (family).
Age 45-54 – $131.00 (individual), $249.00 (couple) and $337.00 (family).
Age 55-64 – $157.00 (individual), $299.00 (couple) and $386.00 (family).
Age 65 and above – $151.00 (individual), $288.00 (couple) and $361.00 (family).
If you are coming from a different province to Ontario, you would need to check with the health plan available in that province and later apply for the medical plan in Ontario. It would be advisable to know about the various health services that are covered by this plan as it will help you opt for an additional medical cover if necessary.
Ontario medical insurance plan will not cover any specialized form of treatment that is required by you. So if you have any pre-existing illnesses that are not covered by this, you would need to complement it with a private medical plan.
There are some services that are considered not necessary medically and they will not be covered by the medical plan of Ontario. Cosmetic surgery is one such option that is not covered by this medical plan and you would need to get a different plan for this purpose.
Apart from this there are some other medical services that are only partially covered by the insurance provided by Ontario and individuals would need to take care of the remaining cost. This could prove to be very expensive, if you do not an adequate medical coverage.
Some of the medical services that are only partially covered by the medical insurance of Ontario include
Medical services provided by podiatrists
Dental surgery
Eye care is provided only once a year
Apart from this there are some other medical services that are not even partially covered by the Ontario medical plan and these include:
Prescription drugs from pharmacies
Home care services
Ambulance services
Long term care services that are provided in other provinces.
If you are travelling outside Canada, the insurance plan of Ontario will not cover the medical expenses arising out of the travel. You are advised to get a supplementary private insurance plan, which will help in covering all your medical expenses while traveling. If you do not buy a supplementary plan while traveling, you will end up spending quite a bit of money getting the appropriate treatment. You will also need to fulfill the eligibility criteria to maintain your medical coverage in Ontario.
A private medical plan in addition to the medical coverage provided by Ontario province will help in covering all medical expenses of your family. There are various insurance plans that you can choose from and you can make the choice after comparing the costs and features of all the plans that are available. The additional medical cover will also provide you the much needed flexibility to deal with any medical emergency.
Although you might consider a private medical insurance plan to be an added expenditure, it could turn out to be one of the most sensible investments you have made in the long run. You would need to think about medical insurance more of an investment rather than expenditure and this will help you in allocating the right amount for this purpose.
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