Provincial health insurance plans, private plans and auto insurers are all responsible for some of your expenses. In Canada, auto insurers cover most medical expenses (other than for acute care).
Your provincial health insurance plan is the first responder in an auto collision. It covers acute care typically performed in hospitals – for example, setting a broken bone. In several provinces (i.e., Ontario), auto insurers also contribute to these costs through a tax called a health levy.
In 2010, Canadian car insurers paid out $274 million in health levies of which $142.3 million (51.93%) came from Ontario.
Car insurers reimburse the provincial governments for the medical services they provide to the collision victims up front. The provincial health levy is assessed by the governments based on the estimated costs for their medical services and paid by car insurers.
1. What your provincial health insurance plan covers
2. What your private plan covers
3. What your auto insurance plan covers
1. Your provincial health insurance plan is the first responder in an auto collision. It covers acute care typically performed in hospitals – for example, setting a broken bone.
Car insurers reimburse the provincial governments for the medical services they provide to the collision victims up front. Find out more about Ontario Medical, Rehabilitation And Attendant Care Benefits.
2. Your private plan – employee benefit plan, private health care plan or provincial workers compensation plan –responds second. For example, if you’re eligible for short-term disability through an employee plan as a result of injuries in a collision, you would access the benefits through your employee plan. If you’re a worker injured in a collision while on the job, you could be eligible for workers compensation benefits.
3. Auto insurers pay the majority of the costs for your recovery (other than for acute care). Every year, car insurers pay $2 billion to help collision victims recover -- more than provincial health insurance plans, workers’ compensation plans and private health care plans combined.
Read more about “How much you can receive for a treatment”
Right to Sue:
Court settlements. In most provinces (i.e., Ontario), you also have the Right To Sue an at-fault driver for additional medical costs above the pre-determined no-fault accident benefits.
Do you also want to know …
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Who pays if you’re a passenger injured in a collision?
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Who’s insured
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Who pays