How RAMQ works
A universal public plan run by the Régie de l'assurance maladie du Québec: with a valid card, covered care is free, with no upfront payment or reimbursement. Private care sits on the margins, mainly to go faster.
Good to know
- A family arriving with a work permit valid for more than 6 months qualifies as 'temporarily staying', partner and children under 18 included; tourists and stays under 6 months do not, and a day in hospital is then very expensive. Source
- On registration, coverage starts after a waiting period of up to 3 months; it does not apply to children under 18, nor to pregnancy and childbirth care. RAMQ recommends private insurance to cover adults during that period. Source
- France is one of the 11 countries with a social security agreement with Quebec: by requesting your French fund's certificate (form SE 401-Q) before leaving and attaching it to your registration, you avoid the waiting period; partner and children have the same obligations. Source
- Drug insurance is compulsory at all times: the employer's private plan if you have access to one (it must then cover partner and children), otherwise the RAMQ public plan. Minor children staying more than 6 months qualify for the public plan, even if their temporarily staying parents do not. Source
- Dental care is covered for children under 10: annual and emergency check-ups, x-rays, fillings, extractions and root canals are free in clinics with the sun card; orthodontics and fissure sealants never are. Participating optometrists also cover children's eye exams. Source
- No walk-in community paediatrician: the family doctor, or a specialised nurse practitioner (IPS), follows children and refers to specialists. Without a family doctor, the Guichet d'accès à la première ligne (GAP) finds you the right resource. Source