Public and Private Health Insurance Plans in Quebec

Public and Private Health Insurance Plans in Quebec

 

All Quebec residents can participate in the province’s free health insurance plan, which is covered by Régie de I’assurance Maladie du Québec (RAMQ), the region’s health insurance board.

 

The RAMQ public health care plan takes care of all essential medical care for every resident. However, the plan’s guidelines and regulations include limitations. Supplementing coverage with private group benefits can reduce out-of-pocket expenses.

 

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How Does Health Insurance in Quebec Work?

The province provides an insurance card to residents who register for the public health plan. The plan is open to everyone, including those who:

  • Are not eligible for private insurance
  • Are over 65 years old
  • Receive government financial assistance
  • Are minors of residents on the public plan

RAMQ pays for medical services, including doctor visits, hospital stays, surgeries, oral surgeries in hospitals except for tooth extractions, and emergency optometric services.

Private Insurance to Supplement Health Care

Quebec’s plan only covers medical services necessary for preventing, healing, or curing an illness. New residents will also be responsible for paying for all medical expenses before receiving acceptance into the public health care program. RAMQ requires anyone settling in the province to complete a three-month waiting period after registering for the provincial medical insurance. 

 

Without public insurance, private insurance is a must. Offering your employees a group benefits plan ensures that they have adequate health, dental, and vision care coverage. In many cases, group benefits will cover medical services that the public insurance plan will not, such as:

 

  • Routine dental services
  • Diagnostic services outside of hospitals
  • Prescription eyewear
  • Registered medical specialists and therapists

 

In Quebec, it’s also necessary to have insurance coverage to receive prescription drugs. If the public prescription drug insurance plan is not available, it’s still possible to obtain the medications through a private insurance plan. 

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What Is Supplemental Health and Dental Insurance?

Supplemental health and dental insurance covers specific expenses OHIP doesn’t. You and your insurance company will have a contract in which you will pay an annual fee or premium in exchange for group benefits. 

 

It is worth noting that no insurance will pay 100% of all medical expenses. The portion of the costs paid by the cardholder is the deductible, and it varies by the policy. A coinsurance is sometimes required on top of the deductible.

 

Despite the out-of-pocket expenses, supplemental insurance often offers significant savings. The costs of supplementary insurance is often significantly less than the costs associated with employee sick leave and turnover. 

Decrease Quebec Health Care Cost With Extended Health Care Benefits

Participating in the Ontario health insurance plan is an excellent way to reduce costs for many medical expenses. However, the coverage does come with conditions, limitations, and exclusions that can leave your employees with higher out-of-pocket expenses than you may expect. 

 

At Group Enroll, we partner with major insurance companies throughout Canada and help businesses find insurance plans with benefits to fill in the gaps provincial health care plans create. 

 

We specialize in providing quick quotes from leading insurance agencies that offer group benefits to employers for health care spending accounts, extended health care plans, and more. Our knowledgeable and dedicated team will help you find the proper medical, vision care, and dental coverage for your workers while helping your company save money. 

Contact us to learn more about group benefits and how they can supplement provincial health care. You can also fill out our quick quote form to compare quotes from multiple Canadian insurance providers.