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Best Health Insurance in Manitoba
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Comprehensive private health insurance in Manitoba
Manitobans are quite popular in Canada for their excellent healthcare record. Based on recent statistics, approximately 86% of Manitobans reported having access to a regular healthcare provider, which is slightly above the national average of 85.5%.
However, certain gaps in provincial coverage can be overbearing for families. Personal health insurance in Manitoba aims to bridge these gaps so that residents can enjoy overall financial protection, minimizing their out-of-pocket expenses.
Why do I need health insurance in Manitoba?
Although Manitoba’s provincial healthcare provides well-rounded coverage in case of any emergency treatment or hospitalizations, there are a few areas that lack coverage, such as:
- Prescription medications
- Routine dental care
- Vision care and prescription eyeglasses
- Paramedical services by various practitioners such as dietitians, chiropractors, acupuncturists, etc
- Medical equipment such as diabetic supplies, walking aids, hearing aids, etc
- Private hospital room stays
Getting coverage from the best personal health insurance in Manitoba can ensure you can fill in your coverage gaps, reduce monthly expenses, and help with financial protection.
How much does private health and dental insurance cost in Manitoba?
Affordable private health and dental insurance plans in Manitoba start at approximately $61 per month for an individual, $110 for a couple, and $175 for a family of four. These costs may vary depending on coverage level, plan details,
| Age/Family type | Approximate cost (Monthly) |
|---|---|
| 35 years, Single Male | $61.32 |
| 28 years, Couple | $110.38 |
| Family of four (45M, 35F, 10C, 5C) | $175.89 |
| 25 years, Male (Pre-existing conditions) | $99.10 |
| 35 years, Female (Pre-existing conditions) | $99.10 |
| 55 years, Male (Pre-existing conditions) | $129.90 |
| 75 years, Female (Pre-existing conditions) | $115.30 |
I need insurance. Where do I start?
Our calculator gets you the right quotes and the lowest rates.
Types of health insurance coverage in Manitoba
In Manitoba, personal health insurance complements Manitoba Health, providing coverage for services not included under the government plan. Here are the main types of personal health insurance coverage available:
| Benefit | Description |
|---|---|
| Prescription drugs | Coverage for medications prescribed by your doctor, including life-saving drugs and treatments for chronic conditions |
| Dental care | Plans may include regular cleanings, fillings, root canals, and orthodontics for adults and children |
| Vision care | Coverage includes routine eye exams, glasses, and contact lenses |
| Specialist services | Access to paramedical practitioners like physiotherapists, massage therapists, chiropractors, and more |
| Travel medical insurance | Provides coverage for emergency medical care while travelling outside Manitoba or abroad |
How long can you be out of Manitoba without losing health care?
Manitoba residents can remain out of the province for 90 days or more within a 12-month period. However, they must report their departure to Manitoba Health to maintain uninterrupted healthcare coverage.
Requests for extended coverage should be made 6 to 8 weeks before departure. Notifying Manitoba Health ensures compliance with their rules and avoids disruptions to your healthcare benefits during your time away.
| Benefits covered by OHIP | Benefits not covered by OHIP |
|---|---|
| Medically necessary hospital care and surgeries | Routine dental care (cleanings, fillings, extractions) |
| Visits to doctors and medical specialists | Most outpatient prescription drugs (unless enrolled in Pharmacare) |
| Oral surgeries performed in hospitals | Eyeglasses, contact lenses, routine eye exams (ages 19–64) |
| Eye exams for children under 19 and adults over 65 | Cosmetic procedures (e.g., Botox, elective plastic surgery) |
| Some chiropractic, physiotherapy, or podiatry services in hospitals | Ambulance services (ground and air) |
| Limited prescription drugs during hospital stays | Chiropractic, massage therapy, acupuncture (outside hospitals) |
Are dermatologists free in Manitoba?
Yes, dermatology services in Manitoba are generally covered by the Manitoba Health Card if deemed medically necessary, such as for the diagnosis and treatment of skin conditions like eczema, psoriasis, or skin cancer. A referral from a primary care physician is often required to see a dermatologist under provincial coverage.
Cosmetic procedures, such as Botox, laser treatments, or acne scar removal, are not covered by Manitoba Health and must be paid for out-of-pocket or through private insurance. It’s better to get private health insurance in Manitoba to make sure you can cover such treatments.
Is dental care free in Manitoba?
No, dental care is not free in Manitoba under the Manitoba Health program. While some specific dental treatments, such as medically necessary dental surgeries performed in hospitals, may be covered, routine dental services like cleanings, fillings, and check-ups are not included.
For most other dental needs, residents typically need to pay out-of-pocket or have private dental insurance to cover the costs. Some low-income individuals may qualify for assistance through provincial programs or community health clinics.
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Best health and dental insurance companies in Manitoba
Choosing the best health insurance provider in Manitoba depends on your individual healthcare needs. Different insurance companies specialize in various areas, ensuring you get the coverage that fits your priorities.
| Company | Best for.. | PolicyAdvisor rating |
|---|---|---|
| Manulife | Customization |  |
| Canada Life | Vision coverage | |
| Blue Cross | Prescription medication & dental coverage |  |
| Green Shield | Paramedical coverage | |
| Sun Life | Travel medical coverage | |
| GMS | Multiple plan options | |
| Desjardins | Bundling with other products | |
Why PolicyAdvisor?
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- Save time: Get instant quotes from Manitoba’s top life insurance companies
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- Shop anywhere: Use our online tools to compare quotes from your phone or computer
- Personalized service: Receive expert advice from a dedicated insurance advisor
Other insurance options
Disability insurance
Disability insurance replaces your income if you’re unable to work due to a disability. This coverage ensures that you can continue to meet your financial obligations, such as mortgage payments and daily living expenses, even if an illness or injury prevents you from working.
Group insurance
Group insurance covers medical expenses not included in Manitoba’s provincial health plan, such as prescription drugs, dental care, vision care, and
Critical illness insurance
Critical illness insurance provides a lump sum payout if you’re diagnosed with a covered critical illness, such as cancer, heart attack, or stroke. This payment can help cover medical bills, pay off debts, or make necessary lifestyle changes, such as modifying your home or taking time off work to focus on recovery.
Visitor insurance
Visitor insurance protects against unexpected costs, including medical emergencies, trip cancellations, lost luggage, and other unforeseen events while traveling. This coverage ensures you’re financially protected during your stay in Manitoba.
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Frequently asked questions
