The Régie de l'assurance maladie du Québec (RAMQ) manages the Québec Health Insurance Plan, covering all residents of Quebec. It provides essential healthcare services such as doctor visits and hospital care. Residents must register to access coverage.
Are you eligible?
To qualify for the Régie de l'assurance maladie du Québec (RAMQ), you must meet the requirements of the Québec Health Insurance Act and adhere to residency rules. You are automatically enrolled at age 65, but otherwise, you must apply unless already covered by a private group plan.
What's covered
Under the Régie de l'assurance maladie du Québec (RAMQ), residents are responsible for paying a deductible and co-insurance for prescription drugs, with the remaining costs covered once the monthly contribution maximum is met. RAMQ covers drugs listed on the provincial formulary, and only biosimilar versions of eligible drugs are covered under Quebec’s Biosimilars Initiative.
In Quebec, land and air ambulance services are covered for residents aged 65 and older, those injured in road or workplace accidents, or individuals requiring transfers between health and social service institutions. Certain exceptions apply, and in cases where coverage is not applicable, residents may be responsible for a portion of the cost. Learn more about the criteria for ambulance coverage in Quebec.
Quebec’s health insurance plan covers some in-hospital dental surgeries, depending on the patient’s age. Children aged 10 and younger are also covered for routine dental services, including one examination per year. Residents are encouraged to review specific dental services available under the provincial plan to see if they qualify.
Quebec’s provincial health plan covers eye exams for residents under 18 years old and 65 years and older. Children under 18 are also covered for glasses and contact lenses through the See Better to Succeed program. Learn more about optometric services coverage.
While information is limited on the Quebec website, it is likely that standard hospital services, including ward room accommodations, are covered. Private and semi-private rooms may be available for an additional fee. Learn more about hospital stays through the Quebec Health Plan.
Quebec’s provincial health plan does not cover paramedical services, such as chiropractic care, acupuncture, or massage therapy, unless provided in specific types of facilities. Coverage is generally limited to services delivered within public health institutions. Residents are encouraged to seek private insurance to cover these services.
The Hearing Devices Program provides financial assistance for the purchase, repair, or replacement of hearing aids and other hearing devices. Eligibility for this program varies depending on the individual’s age and medical condition. Learn more about hearing aid coverage through Quebec’s provincial health plan.
Quebec provides coverage for a range of medical supplies, including artificial limbs, canes, walkers, braces, and other devices, for eligible residents. The Ostomy Appliances Program offers coverage for ostomy appliances and related supplies for those who meet the program’s criteria.
Quebec’s provincial health plan does not cover paramedical services, such as chiropractic care, acupuncture, or massage therapy, unless provided in specific types of facilities. Coverage is generally limited to services delivered within public health institutions. Residents are encouraged to seek private insurance to cover these services.
Home care services in Quebec are provided through Local Community Service Centres (CLSCs) and offer temporary or long-term coverage depending on your needs. Services include nursing, personal care, and rehabilitation, with coverage varying based on the type and length of care required.
The Régie de l'assurance maladie du Québec (RAMQ) does not provide any coverage for accidental death and dismemberment. Residents should explore private insurance plans for this type of coverage.
Quebec provides partial coverage for emergency out-of-country expenses, reimbursing a portion of the costs based on daily or per-treatment maximums. Residents are responsible for any costs that exceed the provincial limits. It is recommended to have additional private travel insurance to cover the remaining costs.
The information provided on this page is intended for general informational purposes only and may be subject to change. While every effort is made to ensure accuracy, provincial and territorial health coverage details can vary and are regularly updated. We recommend contacting your respective GHIP or consulting a legal, tax, or insurance advisor for advice tailored to your specific situation.
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How Personal Health & Dental Insurance Complements Your Provincial Plan
While your provincial or territorial health plan covers many essential medical services, there are important areas where personal health insurance can help extend your coverage, giving you broader protection and peace of mind.
Bridge the Gaps in Coverage
Provincial health plans often leave gaps, such as prescription drugs, dental visits, and vision care. Personal health insurance can bridge these gaps by covering expenses your government plan doesn’t, ensuring you’re not left with unexpected out-of-pocket costs.
Be Ready for Life’s Health Changes
Even with your government health coverage, there are still costs that can catch you off guard, like prescription drugs, dental care, and vision expenses. A personal health plan can step in to cover these out-of-pocket expenses, making sure you’re protected from financial surprises.
Secure Your Health & Financial Future
Investing in personal health insurance today can save you from paying high costs for treatments or services down the road. By taking a proactive approach, you can ensure you get the care you need now, avoiding bigger health issues—and bigger bills—later on.
Get in touch
Talk to an advisor who can understand your situation, answer your questions and help you build an insurance plan appropriate for you and your family.
How to contact your GHIP
Régie de l’assurance maladie du Québec
Service des opérations et des renseignements aux personnes assurées
P.O. Box 6600
Québec, QC G1K 7T3
In Québec City: 418-646-4636
In Montréal: 514-864-3411
Toll-free: 1-800-561-9749
Email: [email protected]