Health Insurance Quebec
One of the things Canada is most known for is the health insurance plan provided by the government. The Canadian government spent $264 billion in 2019, just on health care. This takes away the burden of paying for medical services from citizens and residents of Canada. The Canadian government sees quality health care as a right, not a privilege.
Coverage consists of doctor visits, hospital stays, surgeries, and more. Things like vision or dental care and prescription drugs are not included. This is where private health insurance from companies like Blue Cross comes in. Blue Cross offers coverage that fills in the gaps of the government health insurance plan. Let’s take a deeper look into health insurance in Quebec and what Blue Cross offers.
How Health Insurance Works
Health care in Canada is some of the best in the world. Every province has different rules regarding their plan, but coverage tends to be the same across the country. Medical services from health professionals at clinics and hospitals are covered. So, Canadian citizens and residents don’t need to pay for doctor visits or hospital stays.
In Quebec, the plan is provided by the Régie de l’assurance Maladie du Québec (health insurance board), also known as the RAMQ. The RAMQ provides Canadians with a health card that they can use at any clinic or hospital
As great as the government health insurance plan is, it can be limited. It does not cover vision care, dental care, or prescription drugs. Costs for these services must come from out of pocket unless you have other coverage. Many workplaces provide extended coverage for their employees. If yours doesn’t, or you aren’t eligible, private or semi-private insurance is also available in Quebec.
Private or semi-private insurance plans tend to cover services for dental care or vision care. Prescription drugs may also be covered. To obtain private insurance, you have to pay an insurance company, either monthly or annually, for your plan. One of the best insurance companies in Quebec is Blue Cross, which we’ll discuss next.
Is Health Insurance Necessary in Quebec?
If you don’t receive extended health coverage from your job or spouse, you may want to consider private health insurance. Blue Cross is a great option for an insurance plan. The coverage you receive will help pay for expenses that RAMQ does not cover.
Blue Cross offers three different plans with varying degrees of coverage depending on what you need. Each plan, however, will cover any necessary ambulance trips, nursing care, vision care, a semi-private room in the hospital, medical devices, and much more. You can also add-on additional coverage for prescription drugs, dental care, and travel insurance.
Blue Cross provides free quotes for any plan you choose on their website. This is a great way of seeing whether or not private health insurance would be beneficial to you. If you think you will spend more on these additional services than you would on insurance, get the extended coverage! In most cases, the government plan may be enough.
Benefits of Health Insurance
Unfortunately, government health insurance is not a universal concept. Many countries have citizens paying out of pocket for health care. In the United States, for example, citizens spend around $10,000 a year on health care alone. This cost can leave many people bankrupt or in debt. Thus, the main benefit of health insurance is the money you can save on medical services.
Even if you pay for private health insurance, there are still plenty of benefits. Another one is that having coverage will give you peace of mind. You never know when a medical emergency might happen, and the added stress of paying for medical services would be too much. Having health coverage ensures that you and your family can receive top-quality health insurance whenever you need it.
So, if you are looking to save money and ensure you and your family have a great insurance plan, private insurance may be a good option. Blue Cross provides affordable insurance to ensure you are totally covered.
The Bottom Line
Having health insurance that provides the coverage you need has never been more important than it is since the Covid-19 pandemic. No one could have foreseen the toll Covid put on our health professionals and the overall health of our citizens. Thankfully, the Canadian government provided excellent health care, especially for those who needed to have extended stays in the hospital.
That being said, you may have found the coverage lacking in some regards. If you need a prescription drug, for example, you would have to pay out of pocket. This is where private health insurance from companies like Blue Cross comes in handy. Head over to their website now to receive a free health insurance quote.