Canada is one of the most advanced economies in the world and a top destination for medical tourism today. This is many thanks to years of careful planning and execution of favorable health policies by the country’s government and people.
While the central government has a plan covering virtually all physicians and hospital care costs, the bulk of health planning and policies are handled mainly by the provinces and territories. According to official data, 70% of the total health cost of Canadians is primarily from the government coffers. Still, in recent times, out-of-pocket and employee-based insurance funding has been on the rise, especially in the area of dental health care services.
This article will discuss some essential issues about dental health care in Canada, especially as it concerns cost of dental care services.
Source of dental health care service funding in Canada?
Canadians have been responsible for most dental health services, especially regarding funding through the following medium:
- Government subsided program
- Private related insurance
- Third-party related insurance
- Out-of-pocket expenses
According to official report, the total expenditure on dental costs in Canada in 2015 was $13.6 billion. Below is a breakdown of the total spending:
- Private sector expenditure stands at $12.7 billion representing 93.8% of total expenditure.
- Public sector expenditure came a distant second at $846 million, representing a meager 6.2% of the total expenditure.
The total expenditure for Canada’s complete health care services for the year 2015 was estimated to stand at $219.2 billion. Dental health care represents 6.2% of the total health care sector expenditure.
Factors affecting the cost of dental health care in Canada
A Canadian Academy of Health Services report indicates that Canadians spend about $12 billion yearly on dental health care services. Still, over six million people avoid dental clinics because of their inability to afford the cost.
Dentist Dr. Ibrahimli, a Canadian-based dentist, advocates for a dental health service accessible to everyone irrespective of their social class. However, the rising cost of dental care in Canada is beyond an individual effort. As part of his contribution to creating a balance dental health care delivery, Dr. Ibrahimli uses education as a platform to give people-orientation on oral hygiene. He believes that when people have proper education on oral health, they can practice good oral hygiene.
According to data from the Canadian Life and Health Insurance Association, about 25 million of the working population in Canada, representing 80% of the country’s working-class families, has insurance health insurance coverage. The coverage covers costs on drugs and prescriptions and other medical expenses that are not captured in provincial movement plans.
Yet, in most cases, the insurance coverage does not cover the dental cost, leaving patients with no other alternative than to fund the balance out-of-pocket.
Factors affecting dental health insurance premium cost in Canada
Prices of insurance premium fee vary in Canada based on the following factors stated below:
Canada has provinces and territories, which implies that your demography determines your dental care services cost. In addition, the provinces and territories are responsible for setting the guidelines guiding dental care costs for their respective region. So, if you stay in Toronto, you will likely not pay the exact dental charges as those staying in Quebec.
However, a dental clinic may charge above the stipulated price on the guidelines. In such circumstances, the insurance provider will pay for the usual cost. At the same time, the patient is liable for paying the difference if the dental expenses are above the insurance coverage.
Another factor determining your premium cost is your family size: the bigger your family, the higher your premium charges. Insurance companies determine premium charges using family strength and the peculiarity of your family dental need to fix your insurance premium cost.
Canada population/dentist ratio
As of January 2016, the population/dentist ratio in Canada stood at 1,622. It implies that for every one dentist in Canada, there are 1622 potential patients. However, the distribution of dentist in the country vary based on territories and province. But in recent times, the dentist ratios have been reducing drastically due to the movement of dentists to urban and populated areas. The implication is that the remote regions in Canada have fewer dentists, making access to oral care complex and challenging for people living in the remote part of the country.
Canada is a top destination for dental care service delivery in the world today. However, before settling for a dental clinic, make findings on the location because provinces and territories set policies for their respective domain. It is best to research and ensure that the policies suit your plan before committing. The tips in this article will help you greatly.