Quebec

PROVINCIAL/ TERRITORIAL HEALTH PROGRAMS

Medical Insurance

Quebec Health Insurance Plan

Hospital Insurance

under Quebec Health Insurance Plan

Prescription Drug Insurance

Public Prescription Drug Insurance Plan

HEALTH PREMIUMS/TAXES

Health Insurance Premiums/Employer Tax

2.70% of payroll if $1 million or less;
2.70% to 4.26% of payroll if between $1 million and $5 million;
4.26% of payroll if more than $5 million
* employer responsible for costs

Additional Premiums

No premiums are required to be paid. However, a hospital centre for short-duration care must charge a recipient a set fee per day for a private room and for a semi-private room. The above fees do not apply to rooms in prolonged care units of a hospital centre for short-duration care.
*employee responsible for costs

WHEN COVERAGE BEGINS

If move is from within Canada

Coverage begins three months following registration in Quebec

If move is from outside Canada

Coverage on the date of arrival in Quebec

HOW LONG COVERAGE CONTINUES

Moving within Canada

Balance of the month in which you leave the province plus two consecutive months

Moving Outside Canada

Date of departure

Short Absences

Coverage is maintained during an absence of up to 183 days in any 12 month period if Quebec remains the permanent and principal home

OUT OF PROVINCE / COUNTRY COVERAGE

Out-of-province

Physician Services - physician reimbursed at the Québec rate.
Pharmaceutical services:

• Cost of prescription drugs purchased outside Québec not covered.
• Cost of drugs administered during a hospital stay is covered.

Hospital services - Services insured under the Hospital Insurance Plan, such as cost of ward accommodation.

Cost of emergency in-patient / out-patient hospital while outside of Canada

Emergency hospital services as a result of a sudden illness or an accident;
Payment for services at Quebec rates;
Physician services outside Canada;
Maximum $100 (Cdn) per day of hospitalization, including day surgery.
Cost of drugs purchased outside Canada is not insured, even if they were prescribed by a physician;
Treatment at a hospital out-patient clinic or emergency ward without being hospitalized, maximum of $50 (Cdn) per day ( includes diagnostic and therapeutic services like analyses and x-rays).

WHAT IS COVERED

Physician Services

Medically required services associated with physician and diagnostic services and hospital in-and-out patient care, such as:

• Visits and examinations;
• Consultations
• Psychiatric treatment
• Diagnostic and therapeutic procedures
• Surgery; radiology; anesthesia
• Most laboratory services
• Certain highly specialized examinations such as ultrasounds, CAT scans and magnetic resonance imaging, when performed in hospital centres

Eye Examinations

Coverage for Persons under the age of 18 and age 65 and over:

• One complete eye examination and one extensive colour vision test per year
• Employment assistance recipients age 18 to 64 are entitled to receive these services once every two years.

Dental

Certain medically necessary surgical-dental procedures which are performed in hospital by a dentist or oral surgeon. Some dental services if covered by the Québec Health Insurance Plan and:

• Children under age 10
• Persons who have been employment assistance recipients for at least 12 consecutive months and their dependents

Hospital

Standard ward hospitalization in an approved hospital and in-patient services such as:

• Necessary nursing services
• Laboratory, radiological and other diagnostic procedures
• Formulary drugs prescribed by an attending physician and administered in the hospital
• Operating room, case room and anaesthetic facilities
• Routine surgical supplies
• Radiotherapy
• Physiotherapy received in hospital
• Services rendered by persons who receive remuneration from the hospital

PARAMEDICAL SERVICES

Physiotherapy Services

Physiotherapy services provided at a hospital on an in-patient and out-patient basis within Canada.

Chiropractic Care

Not covered

Osteopath

Not covered

Chiropodist/podiatrist

Not covered

Drug

All residents must either be covered by a private plan or a public drug plan. The coverage provided under a private plan cannot be less than the minimums set by the public plan. The following individuals are eligible for the Public Prescription Drug Insurance Plan (the “public plan”):

• Persons age 65 and over
• Employment assistance recipients and other holders of a claim slip
• Persons who do not have access to a private plan
• Children of persons covered by the public plan

Ambulance

Not covered