I am pregnant and don't have OHIP. What health care can I get?
Having a baby without OHIP coverage can be a very expensive and stressful experience. If you do not have OHIP or other insurance coverage, hospitals can charge you what they want, including amounts above OHIP prices.
The hospital may ask for your financial information or how much money you have and set their fees based on that information. It is impossible to say definitively how much pregnancy services without OHIP will cost, as hospitals assess each case differently.
If you have private health insurance, your insurance company may pay for some of the costs. However, some insurance policies do not cover pregnancy-related costs.
Community Health Centres (CHCs)
CHCs have health professionals such as doctors, nurses, and nurse practitioners on staff. If you do not have OHIP, you might be able to get health care services at a CHC.
Find more information in What are Community Health Centres?
Prenatal and Postnatal Care
Public health units have programs for pregnant women. For example, the Healthy Babies, Healthy Children (HBHC) program has services for babies from before birth up to 6 years old. Contact your local public health unit for more information.
Also, the Canada Prenatal Nutrition Program (CPNP) has many services and programs for pregnant women and parents. Find a CPNP in your community.
Can a midwife help me?
Getting care from a midwife can be a lower cost solution, especially for newcomers. As well, for any hospital or doctor treatment, some midwives may be able to help you negotiate the costs. Most midwives and midwifery clinics have relationships with local hospitals and they understand the medical system and its costs better than you will. They can support you in planning for possible costs, and help you understand how the health system works during your pregnancy.
Some midwifery clinics can serve pregnant women who do not have OHIP. If you have OHIP or not, you still must be a resident of Ontario. In other words, you must be living in Ontario to receive the services of a midwife. Each midwife clinic has a catchment area, a geographic area that you must live in to be served by them. If you do not have OHIP, you need to contact the midwifery clinic in your area to find out if they can serve you.
You find more information on the cost of a midwife can be found in the article How much does it cost to get care from a midwife?
Will my child be eligible for OHIP?
If your child is born in Canada, they may be eligible for OHIP coverage even if you are not. However, your child is not eligible for OHIP if he or she is temporarily staying in Ontario.
To be eligible for OHIP, your child must be:
- Born in Canada.
- A Canadian citizen.
- Physically present in Ontario for at least 153 days in any 12-month period.
For More Information
- Community Health Centre Locations - Provides a listing of Community Health Centres across Ontario. From the Ministry of Health and Long-Term Care.
- Midwifery in Ontario - Information about midwives and services provided by midwives in Ontario. From the Ministry of Health and Long-Term Care.
- How do I find a midwife? - Information on how to find a midwife in Ontario. From Settlement.Org.
- Schedule of Benefits for Physician Services under the Health Insurance Act - Information about how physicians charge OHIP for services. This guide is very technical. It is intended for health care professionals.
- OHIP Eligibility of Canadian-Born Children whose Parents are Not Eligible – Information on registering you child for OHIP if you are not eligible. From the Ministry of Health and Long-Term Care.
- Do I need private health insurance?
- What is the Interim Federal Health Program (IFHP)?
- How can I pay for health care in my first 3 months in Ontario, or if I don't have OHIP?
- Where can I get health care if I don't have OHIP?
- What kind of health insurance do international students get?
- Guide to Supplementary Health Insurance