Provincial health plans cover doctors and hospitals, but generally not dental care, most prescription drugs outside hospital, vision care or paramedical services like physiotherapy and massage. Individual health and dental plans fill those gaps for people without workplace benefits — the self-employed, early retirees, contract workers and families between jobs.
Health & living benefits
12 min read
Updated Oct 12, 2026
What Does OHIP Not Cover? Gaps Ontarians Pay for Out of Pocket
OHIP covers medically necessary doctor and hospital care, but not most prescriptions filled at a pharmacy, dental work in a dentist's office, glasses, most adult eye exams or most physiotherapy, massage and chiropractic care. Here's a 25-service table and the public programs and private plans that fill the gaps.
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