Insurance & Coverage at Care&
We're not covered by OHIP, but most private insurance plans, employer benefits, and spending accounts cover our services. Here's how it works.
Not OHIP. Better Access.
Care& gives you a dedicated Nurse Practitioner who sees you within days, gives every appointment the time it needs, and is available by phone or video between visits. Compare that to the 3-6 week wait that's typical for OHIP-covered family doctors in Toronto.
At $450+HST per year (or $50+HST/month), that works out to less than $1.25 a day for unlimited visits, on-site lab, virtual care, and prescription management. Most members recoup some or all of that cost through their insurance or benefits plan.
Who's Covered
Most private plans reimburse NP visits
Employer Benefits
Most employer health benefits plans include coverage for Nurse Practitioner visits. Check your plan for "paramedical" or "extended health" coverage. NP visits typically fall under the same category as physiotherapy or psychology visits.
Private Health Insurance
Individual health insurance plans from providers like Manulife, Sun Life, Canada Life, and Blue Cross often cover NP services. Coverage varies by plan, so check your policy details or call your provider.
Health Spending Accounts (HSA)
If your employer offers an HSA, Care& membership and visit fees are eligible expenses. HSAs give you the most flexibility since you decide how to allocate your health dollars.
Wellness Spending Accounts (WSA)
Some WSA plans cover primary healthcare services. Check with your benefits administrator to confirm eligibility. If both HSA and WSA are available, HSA is usually the better option for Care& services.
How to Submit Claims
Three simple steps to get reimbursed
Visit Care&
See your NP for an appointment. In-person or virtual.
Get Your Receipt
We provide a detailed receipt after each visit with the provider's registration number and service codes. You can also find receipts in the Care& app.
Submit Your Claim
Submit the receipt to your insurance provider through their app, website, or by mail. Most claims are processed within a few business days.
$450 + HST/year or $50/month + HST
Less than $1.25/day for unlimited Family Practice care
Even without insurance, Care& membership is a fraction of what concierge medicine charges. And Most members do get partial or full reimbursement through their benefits.
CRA Medical Expense Tax Credit
Care& fees may qualify as eligible medical expenses under the Canada Revenue Agency (CRA) Medical Expense Tax Credit (METC). This includes NP visit fees and certain diagnostic services. You can claim eligible medical expenses on your personal income tax return using CRA Form T1 (line 33099 or 33199 for dependants).
Keep your receipts from Care& for tax time. We provide itemized receipts through the app for all visits and services. Talk to your accountant to confirm which expenses qualify based on your situation.
This is general information, not tax advice. Consult a tax professional for guidance specific to your circumstances.
Explore Our Services
All included with your membership
Frequently Asked Questions
Questions About Coverage?
Not sure if your plan covers Care&? Contact us and we'll help you figure it out.
Questions? Call (647) 951-4770