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Summary of OHIP Coverage and Benefits

Important: as of January 1, 2018, Ontario residents 24 years of age or younger will be covered for eligible prescription drugs that are listed with the Ontario Drug Benefit (ODB) or the Exceptional Access Drugs formularies. For more information go to the Ontario government's OHIP+ web page.

Ontario's provincial healthcare plan is referred to as OHIP, which stands for the "Ontario Health Insurance Plan".

OHIP coverage is available 3 months after a person establishes residency in Ontario.

If you have just moved to Ontario from another country or if you are a returning expat then apply for OHIP as soon as you arrive in Ontario.

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Services Covered by OHIP

  • Medically necessary services provided by a qualified doctor.
  • Medically necessary services provided in a hospital, including meals, required drugs, procedures and public wards (semi-private and private rooms not covered).
  • Eye examinations only if: you are under the age of 20 or 65 and up (one exam per year), or; you have a medical condition that requires regular eye examinations (one exam per year is covered).
  • Services provided by podiatrists are partially covered under OHIP.
  • Ambulance services if:
    • Transportation occurs between medical facilities.
    • Deemed medically necessary. There is a $45 co-payment if transportation did not originate at a medical facility e.g. pick-up at your home.
  • Home care and long-term care: may be covered, based on the needs of the applicant. Click here for more information.
  • Mammograms are covered via the OBSP (Ontario Breast Screening Program) for all women who: are between the ages of 50 to 74 years old, or; are between the ages of 30 to 69 and are considered to be a high risk.
  • Midwife services.
  • Dental surgery performed in a hospital MAY be covered.
  • Podiatrists are partially covered by OHIP.

Please note that you may be billed if you miss an appointment with a physician or if your health card isn't valid.

Northern Health Travel Grant

You may be eligible for a Northern Health Travel Grant if you reside in northern Ontario and have to travel a long distance to obtain special medical care. This grant helps to offset your travel costs.

Services NOT Covered by OHIP

  • Ambulance transportation services if not deemed medically necessary (maximum cost of $240).
  • Routine eye examinations for people between the ages of 20 and 65.
  • Glasses and contact lenses.
  • Physiotherapy is usually not covered, UNLESS you meet one of the following conditions:
    • You are less than 20 years of age or are 65 or older.
    • You have been discharged as a hospital inpatient after an overnight stay and need physiotherapy to recover from your injury or condition (the reason you were hospitalized).
    • You are a client of Ontario Works or the Ontario Disability Support Program.
  • Routine dental services such as examinations, fillings, cleanings and non-surgical extractions.
  • Paramedicals such as chiropractors, massage therapists, naturopaths, podiatrists, acupuncturists and osteopaths.
  • Necessary emergency medical treatment obtained outside of Canada (e.g. while traveling) is only covered on a very limited basis; it is highly recommended to have travel insurance protection if traveling outside of Canada. Out of province ambulance costs are not covered.
  • Prescription drugs (if you are older than 24 years old as of January 1, 2018), although assistance MAY be available (see below).
  • Any cosmetic surgery.
  • Semi-private and private rooms in a hospital.
  • An appointment with a physician that you missed (the doctor MAY bill you).

Ontario Drug Benefits

Prescription drugs are not covered by the Ontario Health Insurance Plan; however, there is assistance for those who need help in paying prescription costs. The ODB program (Ontario Drug Benefit) provides coverage for the following people who possess a valid Ontario health card and are:

  • Seniors who are aged 65 and older.
  • Ontario residents who are on social assistance i.e. Ontario Disability Support Program and/or Ontario Works.
  • Ontario residents who reside in long-term care homes and homes for special care.
  • Ontario residents who are receiving professional home care services.

For a complete listing of prescription drugs that are covered by the ODB program please click here.

Ontario residents who DO NOT qualify for the ODB program have the option of applying for the Trillium Drug Plan. The TDP (Trillium Drug Program) provides drug benefits to Ontario residents who have high prescription costs in relation to their net income, and/or have little or no private insurance coverage.

- for full details see the OHIP web site. To see the full Schedule of Benefits go here -

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Last updated December, 2017