If you live in Ontario or another Canadian province and have a valid provincial health card or federal insurance
Ontario Health Insurance Program (OHIP)
A resident of Ontario must have a valid Ontario Health Insurance Program (OHIP) health card to show that he or she is entitled to health care paid for by OHIP. The Ministry of Health and Long-Term Care pays for a wide range of services such as the cost of medical necessary visits to the Hospital and standard ward room (four beds to a room) if admitted to Hospital. However, OHIP does not pay for services that are not medically necessary such as cosmetic surgery, circumcision or elected preferred accommodation.
As health service providers validate OHIP health care numbers of people they treat, it is important to carry your health care at all times. It is also important to ensure your Health Card remain valid, with current name, address and has not expired.
For further information on OHIP coverage, contact ServiceOntario Infoline at 1-800-664-8988 or visit a local ServiceOntario Centre.
Other Canadian province health insurance or federal insurance
A resident of another province with valid provincial insurance or a resident with valid federal insurance (Canadian Armed Forces, Workers Safety Insurance Board, Refugee with Interim Federal Health Program or Student covered by UHIP) must provide valid health insurance information to be entitled to health care paid for by their respective plan.
These plans pay for a wide range of medically necessary services, however they do not pay for services that are not medically necessary such as cosmetic surgery and limited coverage on preferred accommodation. The Hospital will bill the appropriate provincial or federal insurance plan. Any claims rejected by the health care plan will be billed to the patient. In some cases, physician and other services will have to be paid upfront by the patient and then a submission can be made to the plan for reimbursement by the patient.
Hospital fees for residents with provincial or federal health insurance plans
If your complete provincial health or federal insurance plan information is not provided at the time of registration, it is your responsibility to call our Finance Department as soon as possible with the correct insurance information at (613) 721-4704 or you will receive a bill from us in the mail for immediate payment. Also, if you have private insurance for Hospital costs, this must be provided at time of registration. Please note it is your responsibility to understand the coverage provided by any private insurance company. You will be billed for amounts not paid by private insurance. The Hospital cannot cancel charges if a mistake is made in coverage.
Hospital fees for patients with valid provincial or federal health insurance (i.e.OHIP)
If you live in Canada without a valid provincial health card (Uninsured Resident of Canada) or you live in another country (Non-Resident of Canada):
Canadian residents without valid provincial health insurance plan, considered uninsured resident of Canada, or non-residents of Canada are responsible for all Hospital fees. Hospital fees are in addition to attending physician fees as billed by physician.
For uninsured residents and non-residents, hospital outpatient fees are applicable for each and every emergency visit, outpatient clinic visit (ambulatory care, Childbirth Centre visits and clinics, day surgery, rehabilitation, orthopedic services, etc). Hospital outpatient fees are in additional to public and private ambulance charges, rehabilitation and mobility devices, orthopedic casting, diagnostic imaging (X-ray, CT Scan, MRI, ultrasound, etc.) and Laboratory fees and Physician service fees.
For uninsured residents or non-residents admitted as Inpatients, hospital fees include room accommodation (ward, semi-private or private room, intensive care unit (ICU) bed). Hospital Inpatient accommodation fees are in additional to public and private ambulance charges, rehabilitation and mobility devices, orthopedic casting, diagnostic imaging (X-ray, CT Scan, MRI, ultrasound, etc.) and Laboratory fees and Physician service fees.
Additional inpatient charges will apply for newborn delivery and newborn ward care. Physicians will also bill for delivery and care charges in addition to Hospital charges.
The Hospital will directly bill private insurance plans for inpatient room accommodation for Canadian insurers only. Private insurance plan information must be provided at the time of registration. Please note it is your responsibility to understand the coverage provided by any private insurance company. You will be billed for amounts not paid by private insurance. The Hospital cannot cancel charges if a mistake is made in coverage.
The Hospital will not accept private insurance for non-resident patients with out of country insurance companies. Non-resident patients must provide a credit card at the time of registration and pay for their hospital charges directly. Out of country patients can then forward a claim to their private health insurer.
Hospital fees for patients without Canadian provincial or federal health insurance for uninsured residents of Canada and non-residents of Canada
Hospital fees for Childbirth Centre patients without Canadian provincial or federal health insurance
Planned admissions: payment information required upon admission
When you register as an inpatient or as an outpatient, a member of our Registration Team will take your credit card information. Authorization for the Hospital to use your credit card for uninsured services is given when you sign your inpatient admitting form (Admission Terms Form described below) or your Outpatient Hospital Charges Form as appropriate. Unless you provide us with another method of payment, we will charge your share of your account (the amount that is not covered by provincial health insurance or your primary private insurance if you are a resident of Canada) to your credit card when you are discharged. You will receive a receipt in the mail for credit card charges. You should keep your receipts for these services, as you may be able to claim a tax deduction for medical costs. No duplicate tax receipt will be issued.
Unplanned admissions (i.e. Emergency admissions, ambulance arrivals)
If credit card information is not provided through an unplanned admission, the Hospital will mail a bill to you post-discharge. This bill is due and payable upon receipt. Please refer to the “How to Pay Your Bill” section above for payment options.
Admission Terms and Your Financial Responsibilities as an Inpatient of the Hospital
When you register as an admitted inpatient to the Hospital, a member of our Registration Team will provide you a document called Admission Terms. This document explains your financial and personal obligations during your stay with us as an inpatient at the Hospital.
Please read this document carefully as once you or your guarantor has signed this document, you or your guarantor become financially responsible for hospital charges that are not covered by valid provincial health insurance or private health insurance plans.
The Admission Terms document is where you or your guarantor choose and sign for either ward, semi-private or private room accommodation. Your Hospital account will be charged according to the room accommodation requested and the room accommodation provided. The room rates for the type of are described in links provided above and depend on whether you have valid provincial insurance and your residency status in Canada.
If the Hospital places you in a room that is superior than requested, you will be billed to only level of accommodation requested. Further, you authorize the Hospital to bill your insurance company for any available coverage. Again, it is your responsibility to confirm and know the details of any insurance coverage.
If the Hospital places you in a room that is less than requested, you will be charged for the cost of that room only. The Hospital will do its best to accommodate you with your preferred type of room. The charge for the preferred room will apply when you are moved to that room.