Who Pays For Health Care?

Female doctor holding HEALTHCARE cardCanada has an extensive publicly financed and comprehensive health care system that pays for essential physician and hospital care.

As comprehensive as Canada’s health care system is, not all medically necessary health, dental and welfare services are covered, and provinces and territories will vary in their coverage of these services to their residents. Services that are not covered by the system may be reimbursed by the patient’s Extended Health and/or Dental Care plans, or paid out-of-pocket by the patient.

Sun Life, UBC’s Extended Health and Dental Care provider has developed a number of comprehensive Health Care Guides outlining the coverage options for six common health events by province. The six health events are:

  • Disability Protection
  • Home Care
  • Long Term Care
  • Palliative Care
  • Prescription Drugs
  • Travel Emergency Health

Click here for the British Columbian Health Care Guide.

The Health Care Guides provide information on what is covered by the public health care system. UBC Benefits provide additional coverage on top of public system coverage. For example, the BC Medical Services Plan pays for the cost of a shared (ward) hospital room. The UBC Extended Health Plan will reimburse 80% – 100% of the additional cost of a semi-private or private hospital room, depending on your employment group.