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Healthcare in Canada: cost & waiting times

Single national insurer

Medicare: 13 provincial/territorial single-payer plans cover medically necessary hospital and physician care with no fee at the point of use. Drugs (outside hospital), dental and vision are largely private or separately funded.

Emergency number: 911

How residents get care

  1. Get your provincial health card — Apply on arrival as a new resident; there may be a waiting period of up to 3 months in some provinces — get private cover for the gap.
  2. Find a family doctor or use a walk-in — Many provinces have shortages and central wait-lists (e.g. Health Care Connect in Ontario). Walk-in clinics and virtual care fill the gap.
  3. Referral for specialists and most imaging — Your family doctor or a walk-in clinic refers you.
  4. 811 for non-emergency health advice — A nurse line in most provinces.

Official waiting-time source

Benchmarks exist for priority procedures (e.g. hip/knee replacement within 182 days, radiation within 28 days). Waits for family doctors, specialists and scans (MRI/CT) are a well-known pressure point.

CIHI wait-times reporting + provincial dashboards ↗

MilestoneReference
Hip/knee replacement (benchmark)182 days (~26w)
Cataract surgery (benchmark)112 days (~16w)
Radiation therapy (benchmark)28 days (~4w)

Typical private costs

Typical self-pay prices — for an exact figure use the official links above or ask a clinic for a written quote.

ItemTypical range
Private/virtual GP visit (uninsured)C$60–C$120
Specialist (uninsured)C$150–C$300
Private MRI (where allowed)C$700–C$1,200

Prescriptions

Outside hospital, drugs are covered by employer plans, provincial programs (varies by age/income) or paid out of pocket. A national pharmacare program is being phased in for some drug classes.

Visiting Canada?

Very limited. A few provinces have narrow reciprocal arrangements; most visitors pay in full. Visitor rates for a hospital bed can exceed CAD 3,000–5,000 per day.

Emergencies Call 911. Emergency departments treat you and bill you afterwards.

Official links

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