Canada Health Insurance

Canada Health Insurance
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About Dental Insurance
Coverage Details
Preventive Treatment
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Coverage Details
Fees and premiums
Choosing a Plan
Health Insurance Basics
Basic Insurance Plans
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Stages of Insurance
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How to Compare Plans
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How to Compare Insurance Plans

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This page provides information to Canadians about how to compare health insurance plans and costs.

Before settling on a health insurance plan, you should compare and contrast a benefits summary or an outline of coverage. This should include the description of policy benefits, exclusions, and provisions. These details will help you better understand the insurance policies of the plan and will make it easier for you to compare different policies.

Use the following Health Insurance Checklist as a guideline when choosing and comparing health insurance plans. Check for the following covered medical services:

  • Health Insurance ChecklistInpatient hospital services
  • Outpatient surgery
  • In-hospital physician visits
  • Medical tests and X-rays
  • Prescription drugs
  • Mental health care
  • Home health care visits
  • Rehabilitation facility care
  • Physical therapy
  • Speech therapy
  • Hospice care
  • Maternity care
  • Chiropractic treatment
  • Preventive care and checkups
  • Dental care

You can also ask each company the following questions to make sure that you are getting the best coverage possible:

  • Are there any medical service limits, exclusions, or pre-existing conditions that will affect you or your family?
  • What types of utilization review, pre authorization, or certification procedures are included?
  • How much is the premium?
  • How much is the annual deductible per person and per family?
  • What co-insurance or co-payments apply?