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Canadians must use private insurance for elective medical services such as Lasik surgery, plastic surgery such as liposuction, and other non-basic medical procedures. Private health insurance cannot cover physician fees which are covered by Medicare. Some 65% of Canadians have some form of supplementary private health insurance; many of them receive it through their employers. 47 Private-sector services not paid for by the government account for nearly 30 percent of total health care spending. 48 In 2005, the Supreme Court of Quebec ruled, in Chaoulli v. Quebec, that the prohibition on insurance for health care already insured by the state constitutes an infringement of the right to life and security. It is yet to be seen if this ruling will change the overall delivery of health insurance across Canada.

Numerous state and federal laws make it easier for people with pre-existing conditions to get or keep health insurance, or to change from one health plan to another.



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