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What did you learn about your topic that surprised you the most?

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What did you learn about your topic that surprised you the most?

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As a group, what surprised us the most about our topic was even though the health care in Canada is free, us Canadians pay our health care by paying high taxes. Also, what we found surprising is that not everything is covered by OHIP which is why our parents (for those still being covered by their parents health insurance plan) have health insurance plans to cover the extra costs such as prescriptions, etc.

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Provide a real-life example of how this topic is relevant or interesting for you.

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Provide a real-life example of how this topic is relevant or interesting for you.

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As a group, health insurance was an interesting topic for us because individuals who are not insured receive less medical care attention. Having health insurance is important. The coverage from having health insurance can outweigh the unexpected high costs which can make it more affordable and less stress on an individual.

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If you could pass on your knowledge to a family member or friend, what do you think is the most important thing to pass on?

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If you could pass on your knowledge to a family member or friend, what do you think is the most important thing to pass on?

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Having health insurance can protect an individual. The one important thing that we would pass on to a family member or friend would be, research insurance companies that will help pay for the extra unexpected costs in your health care that OHIP would not typically cover.

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In this video, the speaker talks about health care in both Canada and the US. In this video we learned that both the United States and Canada’s health care system is called medicare but are very different. Although it is quite a bit outdated, the speaker says that the Canadian health care covers mainly seniors.  He talks about the system when it comes to health care, which includes receiving their coverage though funding that is public.

I chose this video because I believe that it explains health care in the best and simplest way. The way the speaker presents the information is easy to follow and simple enough that most would be able to understand. The speaker does not necessarily use any hard to understand words, and his body language is engaging while watching the video.

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This speaker talks about private health insurance and whether or not it is worth buying. He discusses both positive and negative aspects to the public healthcare system. He also briefly talks about the universal healthcare system in Canada (Medicare) and what comes along with it. Then he goes into a bit more detail about private healthcare covered by employment etc.

I chose this video because it teaches that there are different types of healthcare. This includes healthcare covered by one's job. While watching this video I learned a couple of new things. One of these things is that I was not aware that there was private healthcare. I thought that all healthcare coverage came through OHIP or Medicare. This was one piece of information that I thought was useful.

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Canada's Private Health Insurance: Is it Worth It

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This video begins with the speaker talking about the healthcare system compared to the US. Although our system is a lot cheaper than that of the US, the speaker implies that waiting lines can be very long to wait through. This video uses a lot of statistics when comparing both countries.

I chose this video because it includes a lot that one can learn about both the Canadian and American healthcare system. If a newcomer or migrant was to decide between moving to Canada and the US, I would refer them to this video. Something that I found useful while watching this video was (within the first few minutes) that we (Canada) spends more than most countries when it comes to OECD. I believe that this just implies that the Canadian government cares more about their citizens than most countries do.

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How Canada's Universal Health-Care System Works

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Finally, this video talks about the benefits of healthcare for those who are covered, including children. The presenter goes very in depth about the healthcare system in Canada if you are new or just coming to Canada. I believe that the intended audience for this video is any newcomer to Canada. However, I think that even those who have lived in Canada for a long time can learn something from this video.

Something that I found interesting and useful in the video was that once you come to Canada you would have to get a health card from service Canada or service Ontario. I remember only learning that I was supposed to have a health card only when I got my first job. I also learned that health insurance is not necessarily always free. For example, when it comes to prescription glasses, Medicare does not cover it. I also learned this though my aunt who has a private healthcare provider. This is also why I chose this video. It is because it provides a lot more information than the others, and it covers if not everything, the majority that anyone would need to know about healthcare providers, specifically OHIP.

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Free Health Care In Canada | How it really works | New Immigrants

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In this image, it shows how much Canadians spend on health care depending on their age group. As you can see, the older the individual is the more the have to pay for health care. For example, the image shows that at age 80+ you pay more for health care while a younger person age 1-64 years would pay less that $5,000.

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In this image, it shows what a typical Canadian family would pay for health insurance. For a family of three (two adults and one child), they would typically pay $13,208 while a family of four (two adults, two children) would typically pay $13,311 for public health care insurance. Canadians actually pay a substantial amount of money for health care through a variety of taxes.

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The Price of Public Health Care Insurance, 2019

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LSN_Health VANCOUVER-A typical Canadian family of four (two parents, two children) will pay $13,311 for public health-care insurance in 2019, finds a new study released today by the Fraser Institute, an independent, non-partisan Canadian public policy thinktank.

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This website talks about how much Canadians spend on health insurance. The Canadian insurance is financed by government contributions, charitable contributions and private insurance. Canadian healthcare has a particular way that helps to manage ensure Canadians to have a connection to affordable healthcare throughout the nation.
I chose this website because I feel like it's important for Canadians to know how much is being spent on healthcare and how it is funded, and this website does just that in the simplest ways to understand. I also learnt that Canada spends almost $7,068 per Canadian citizen.

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Effective Public Healthcare Panacea Project

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Healthcare is one of the most significant considerations in the Western world. While Canada's situation differs from that of the US, as well as EU nations and even the UK, there are issues affecting the health care industry of Canada, including long wait times to receive treatment. How much does Canada spend on healthcare every year? According to the Canadian Institute for Health Information (CIHI), in 2019 Canada is expected to spend $264 billion on health care, which equates to $7,068 per Canadian citizen.

Canada Health Care Spending Statistics and Figures

To put how much Canada spends on healthcare into perspective, let's break things down a little bit more.

Total: $264 billion

Per Person: $7,068

Growth: 4.2% increase over previous year

% of GDP: 11.6

Canada's healthcare spending has steadily increased over time. While the overall trend has been upward, there are several outlying years. For instance, the most significant jump was in 2010 when healthcare spending in Canada actually accounted for 11.6% of the nation's GDP. It reached a low point in 2015 before beginning to climb once more. 2019's percentage was forecasted to be slightly higher than 2018's numbers.

How Is Canadian Health Care Funded?

Canadian health care is funded through a combination of different methods, including provincial and territorial government contributions (public) and private out of pocket costs. In 2018, 31% of Canadian health care costs were covered by the private sector, with 15.4% being out of pocket costs, 12.4% being private insurance, and 3.3% rated as "other". In comparison, governments covered 64.2% of the costs, with 4.8% coming from other public sources. Note that in many years, the split was much higher than 69/30 (public/private) as it was for 2018. For instance, it was a 70/30 split in 2016 and 2010.

How Does Health Care Funding in Canada Work?

Unlike the United States, Canada has a single-payer healthcare system. This "free" healthcare is funded with Canada's tax dollars. However, there are some notable areas that are not covered, such as prescription drugs, long-term care, and in-home care. Dental care is also not covered. It is left to territory and provincial governments to come up with plans that offset the costs of these areas for citizens, and the programs vary significantly from one area of the nation to another. Private insurance plays a role in most areas, but some governments offer stopgap solutions, such as Ontario's prescription coverage for those under the age of 24. In addition to taxpayer funding and private insurance policies for areas not covered by the Canada Health Act, charitable funding also plays a role, particularly in financing hospitals and other medical facilities.

The majority of funds comes from taxpayers.

Overall, the flow of health care funding in Canada is from the federal level to the provincial and territorial level. The Canadian Health and Social Transfer ensures that funds allocated to each area are made available and payments are made via both cash contributions and tax transfers.

Key Factors in Health Care Funding in Canada

When answering the question of how much Canada spends on healthcare each year, we also need to break down where that money is going. The CIHI reports that hospitals accounted for 28.3% of healthcare spending, with an average cost of $1,933 per person and a growth rate of 3%. Prescription drugs accounted for 15.7% of spending, with a cost of $1,074 per person and a growth rate of 3.2%. Finally, physicians accounted for 15.1% of Canadian health care spending, with a cost of $1,032 per person and 2.2% growth.

How does that break down across the various industries? Actually, there are some interesting trends. For instance, with 2018's numbers, we can see that hospital budgets have actually decreased. This is in direct proportion to less money being allocated to them due to financial restraint programs. In response to budget cuts, more and more hospitals are offering out-patient treatment in situations that would have once required in-patient treatment. Also, hospitals note that staff compensation actually accounts for about 60% of their budgets.

The Future of Canada Health Care Spending

Healthcare industry constantly changes and evolves.

When attempting to determine how much Canada spends on healthcare, it is important to look beyond the immediate costs and toward future trends. The healthcare industry is not static. Far from it - it is a dynamic marketplace that is affected by multiple factors, including an aging population, hospital agglomeration, inflation, the ability to negotiate lower prices with pharmaceutical companies, and the like. In 2019, the Canadian healthcare industry has evolved and changed.

eHealth: Electronic health technologies will play a larger and larger role in Canada health care spending, including telehealth and the storage and transmission of electronic health records. While this will increase spending, it does offer benefits to Canadians, including more convenience, improved safety, and other advantages.

Fewer Hospitals: The current trend of hospitals agglomerating is expected to continue. This will reduce competition between independent hospitals, although it may lead to less readily available access to medical care in some areas of the nation.

Senior Care: Expect to see a larger and larger portion of Canadian healthcare funding go toward senior care. Like the US, Canada has a significant aging population that requires access to different care solutions than do younger citizens.

Percentage of Private Funding: Some experts indicate that the share of health care costs currently covered by private insurance may grow in the future.

In Conclusion

When it is all said and done, the Canadian healthcare industry is funded by government contributions, as well as charitable contributions, and private insurance. It is a unique combination that manages to help ensure that Canadians have access to affordable healthcare throughout much of the nation. While the system is not perfect, Canadians are rightfully proud of what they have built and the benefits the system offers.
Other interesting articles:

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How Much Does Canada Spend on Health Care?

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Healthcare is one of the most significant considerations in the Western world. While Canada's situation differs from that of the US, as well as EU nations and even the UK, there are issues affecting the health care industry of Canada, including long wait times to receive treatment. How much does...

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This padlet will be overviewing health insurance in Canada. This padlet will help you learn about health insurance through websites, videos and images. Health insurance can be beneficial because, no one ever plans on getting sick, or getting hurt, but most people need medical care. Health Insurance covers the cost and offers other important benefits you may need. Having health insurance protects the individual from an unexpected high cost. Even though we live in Canada, our health care does not cover all services. For example, depending on the prescription and the age of the individual it will be covered by OHIP. Having health insurance once you are not covered by OHIP is beneficial because, it can lower the cost.

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Canadians have a lot of privileges and one of them being is that we have a significant amount of insurance companies to depend on. They provide different types of insurance and many of them offer health insurance which is why I have picked this website because it talks about the top 10 best rated health insurances in Canada.  This website that I have picked talks about the ten best health insurance and their benefits that one might consider

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One of the significant advantages that Canadians have is plenty of Insurance Companies to rely on. They provide different types of insurance. Many of them offer health insurance. It is great. However, it creates a challenge as to which ones are the best.

There are common denominators of what the health insurance covers. Each Insurance company likes to offer something that is unique. Or, something at least they feel is better than their competitors.

The following are ten of what many consider to be the best Insurance Companies. At least when it comes to the Health Insurance, they each have to offer.

Manulife offers Insurance called Flexcare Health and Dental. It is a mix and match type of health insurance. It has a base number of products. For example, like coverage for prescription drugs and dental services. Then also a combination of both of these plus vision care. Also included is Extended health care coverage.

Optional are several adds on like hospital care and travel. Also, these are just a few examples.

FollowMe is another health care plan. It is one that is simple and affordable and can follow the insured when they change workplaces.

Sunlife Financial

Sunlife is another large and well-known insurance provider. Among their products is health insurance. They like to refer to this as extended health care insurance. Their website is quite simple and self-explanatory. They state they offer this type of insurance. Coverage is available for the entire family. The dental health care is not available as a separate package. It is part of the extended health insurance package.

GreatWest Life

GreatWest Life is an insurance company who focuses on two health care coverage packages. Enhanced Healthcare for Individuals or Families. In this category, the Company offers three different packages. These are the Core, Core Plus, and Core Elite packages. They each over different amounts of coverage. Then there are extra add-ons that the insured can choose.

Plan Direct is another package offered through GreatWest Life. It is more for individuals who are about to retire. Or, for those that are leaving their company and going to another one. There is no medical exam needed. They also accept applications from those with pre-existing medical conditions.

Ontario Blue Cross

Blue Cross is an insurance provider well known to Canada. It includes Ontario Blue Cross. For this province, there are several different plans. There is the Basic Blue Choice and the Basic Plus. Then there is also the Blue Choice Balance or the Blue Choice. Most of these plans are packages. There is one exception to this. It is the Blue Choice. This plan allows for individual choices for different coverage.

GMS Health Insurance

It is an insurance company that seems to put most of their focus on extended health care. They offer a variety of different programs. There is the Omni Plan. It is for extended health care that is extensive. Then there is the ExtendaPlan. It focuses on more coverage. Some of its highlights are medical supplies and equipment. Plus, variations in medical specialists.

There is a Basic Plan. It would seem this plan is ideal for those that want something simple. Also, there is extra coverage. It is for those that want even more coverage.

Scotia Life Health and Dental Insurance

This extended health care seems appropriate as an add-on to other extended health plans. They do accept individuals and families. There are specific rules in place for those who are over the age of sixty-five. They appear to be quite strict about pre-existing conditions.

Some insurance companies put more focus on their health care coverage than others. State Farm offers many different types of insurance. It doesn't appear as though they make the health care coverage any more important than the others. They advertise that their personal health care plans cover the same as their group plans. Among the list of coverage, they do include alternative care coverage. It may be more important to some people. There are a lot that is turning to natural health care. It can be expensive. To have some coverage for this might be appealing.

For most, they think of CAA as just for vehicle-related services. They also have a branch of health care insurance. Coverage is via Manulife. What is interesting is these plans pertain to age groups. The plans begin with the Basic Health Care Plan. Then from the pertinent age group, add-ons to the insurance are available. It means everyone can build a health coverage plan according to their specific needs.

Green Shield Canada

Green Shield Canada has been offering extended health care coverage for many years. They offer two individual plans. One is the Zone, and the other is Link. The Zone is for those who are new to private health care coverage. The Link is a transition type private health insurance. It for those who are leaving a private health care plan. Perhaps they are retiring for example. They want private coverage to continue. Within these two major categories there are several plans.

Limited Health Insurance

There are also several companies that offer limited personal health insurance plans. For these, some of them have chosen to focus on just one area. An area of health costs that can be substantial for individuals who need extra financial help.

TD Insurance

TD has chosen to streamline their health care insurance. They offer critical accident and critical care insurance. Also, they provide Accident and Sickness Hospitalization coverage. The coverage provided is a little different. For those that want to go with just a few crucial sectors of health care coverage, it may be worth looking at this.

Ivari is another healthcare insurance provider. It has also chosen to offer specialty insurance in this category. They are focusing on critical care insurance. It is a type of insurance that is only applicable for those that have a critical illness.

These are the most common Insurance Companies that offer Personal Health Care Insurance. They all have many things in common. At the same time, they have each individualized their plans. Premiums will differ and so will their rules and regulations. Individuals need to shop carefully for the best health care plan for them.
https://www.clhia.ca/domino/html/clhia/clhia_lp4w_lnd_webstation.nsf/resources/Consumer+Brochures/$file/Brochure_Guide_To_Health_ENG.pdf

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Best Health Insurance Companies in Canada

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One of the significant advantages that Canadians have is plenty of Insurance Companies to rely on. They provide different types of insurance. Many of them offer health insurance. It is great. However, it creates a challenge as to which ones are the best. There are common denominators of what the health insurance covers.

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Now this website gives out health insurance quotes Once you put in a little bit of your information it will give you a bunch of information on how much each health insurance might cost you. This website will give you quotes from insurance companies like Manulife, Blue Cross Blue vision, and Sun Life and many more, then is up to you to pick which one you would like to get further information from.
I chose this website because instead of going to different health insurance is individually to figure out the cost this website will show all the health insurances at once so you can see the cost right in front of you it just makes it a bit easier for the person and it is really beneficial.

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Health Insurance Quotes | Individual Health & Dental Plans Online

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Instant individual health insurance quotes for Canadians. Compare personal health and dental plans online. Save your money with Healthquotes!

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This website gives a good summary about what is covered under Canadian healthcare. This website Covers over the benefits of health care, it talks about Benefits, and public health care and what's included in public healthcare, as well as private healthcare in what is covered under private health care.
I chose this website to include because it is good to get it insight in what public health care covers and what private health care may cover as well because with private healthcare, they generally cover prescription drugs, dental costs, private hospital rooms, ambulance services, and prescription glasses.While as public healthcare is all medically necessary hospital stays, including those needed for treatment of an illness or surgical and maternity services.

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The Canadian health care system has been a resounding success since its introduction in the country in 1967. The publicly funded health care system provides health services that are mostly free to Canadian citizens and managed and administered on a provincial and territorial level guided under the Canadian Health Act. While the government aims to ensure the quality of service through federal standards, with very few exceptions, all citizens qualify for health care services regardless of medical history, income and standard of living. However, the public funded healthcare system does not cover prescription drugs, home care or long-term care, prescription glasses or dental care, therefore Canadian citizens pay for these services either out of their pockets or through private medical insurance and employer-sponsored plans.

Benefits

1. Available to everyone

The health care system which is also called Medicare in Canada is offered to all citizens and is not determined by the finances of individuals.

2. Health Education Programs

The Canadian government through the provincial and territorial governments runs health educational programs regularly. These education programs seek to make citizens more aware, so they can avoid injuries and offer a more proactive approach to general health issues so that ailments are detected earlier thereby reducing their impact. These programs are fully funded by the Canadian government and go a long way in educating citizens of all ages and backgrounds. Without the universal health care system, these programs may not have been funded or may have been considered irrelevant.

3. Care for special needs

The Canadian Medicare takes into consideration the needs of children, disabled citizens and the elderly. For senior citizens or veterans and disabled children, there is a need for special care and attention, and the health care system was designed with this in mind.

Canadian health insurance is a national health program called Canada Medicare (public health insurance). Canadian citizens and legal, long-term residents receive medical services through Medicare. Medicare is paid for through taxes, and there is no cost when you use medical care.

This basic medical insurance provided by the government is governed by the provincial governments; the provinces have different regulations. The system is governed and developed by Medicare in each Province of Canada and each province has control over the rules in their area.

Medicare National Health Insurance does not pay for prescription drugs (drugs provided during a hospitalization are paid for), general dental care, optometry, ambulance and other medical expenses. Canadians usually buy supplemental health insurance to help pay for these additional health care services. It is recommended when traveling to Canada to purchase good protection for prescription drugs (outpatient and inpatient) and ambulance.

Who is covered?

The Canadian provinces and territories administer their own universal health insurance programs covering all provincial and territorial residents. The federal government supports the public programs through fiscal transfers conditional on their meeting the five criteria of the Canada Health Act, including universal coverage for medically necessary hospital, diagnostic, and physician services (Medicare). Each province and territory is responsible for establishing its own specific residency requirements; undocumented immigrants, including denied refugee claimants, those who stay in Canada beyond the duration of a legal permit, and those who enter the country "illegally," are not covered in any federal or provincial program, although the provinces/territories do provide some limited services. Coverage of other health services is generally provided through a mix of public programs and private health insurance, or financed by out-of-pocket payments.

The federal government provides additional health care benefits (and compensates provincial/territorial governments) for physician and hospital services provided to First Nations and Inuit, members of the Royal Canadian Mounted Police and the Canadian Forces, veterans, refugee claimants, and inmates in federal penitentiaries. Around two-thirds of Canadians also have private health insurance, which covers services that are not covered under the public programs.

Private Health Insurance

The medical care offered by your province or territory might not be covered in other provinces and territories. For this reason, you may require private health insurance if you plan to travel.

Private health insurance is also available for services that may not be covered under your province or territory's health insurance plan. These services generally include prescription drugs, dental costs, private hospital rooms, ambulance services, and prescription glasses. Some provinces' plans also exclude arguably "marginal" operations such as IVF treatment.

Four self-employed workers, one contract worker with no benefits and one recently retired friend want extra health care coverage beyond basic government-funded medicare. Canadians tend to focus on the publicly funded side of the health system, although 60 percent of them have extended coverage, usually through employers or unions. But with baby boomers retiring - and the rise of contracting out - more will be paying out of pocket for those extras in the future.

What's already covered?

Everyone in Canada receives medically required doctor's visits, diagnostic tests and hospital care, largely through the taxes we pay. For example, B.C. and Alberta are the only provinces that charge monthly premiums to residents. In B.C., it costs $69.25 per month for anyone taking home more than $30,000 per year. That premium is usually covered by employers.

What's not covered?

Prescription drugs, dentists, eye exams, hearing aids, private hospital rooms, psychologists, counsellors, physiotherapists, cosmetic surgery and tests required for immigration papers, driver's licences and insurance.

The Insurers

There are three types of insurers: for-profit, not-for-profit and co-operatives:

For-profit: These include the former mutual insurers who started selling shares on the stock market after a change in federal law in 1999. Great-West Life is one of the industry's heavy hitters and it offers individual and family plans for extended health, which is the industry norm.

Not-for-profit: In B.C., Pacific Blue Cross dominates this sector, as do Green Shield Canada and Desjardins, respectively, in Ontario and Quebec. These companies put their profits back into the business rather than paying them out to shareholders. There are policies for families, but not unrelated individuals.

Co-operatives: This is where you'll need some time and have to love going to meetings. Any group of three can start a health co-operative and set their own goals, whether it's pooling their resources to buy cheaper out-of-country coverage for travelling retirees or seeking alternative treatments like acupuncture or reflexology. Six people would be a rather small co-op, however, and this group would have to find some more members to make a go of it.

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Canadian Healthcare Is Free When You Live in Canada - Canadianvisa.org

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The Canadian health care system has been a resounding success since its introduction in the country in 1967. The publicly funded health care system provides health services that are mostly free to Canadian citizens and managed and administered on a provincial and territorial level guided under the Canadian Health Act.