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The Cost of Health and Dental Care in Ontario

OHIP covers a lot, but the dentist, the pharmacy counter, new glasses and a physio appointment often land on your own credit card. Here is a plain guide to what everyday care can cost without benefits, and where a group plan fits in.

Last reviewed October 6, 2026Rules and figures as of October 2026

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A smiling woman in her thirties sits in a bright dental office chair chatting with her hygienist after a cleaning, with soft daylight through a window.
A woman in her thirties sits in a bright optometry exam room smiling as an optometrist adjusts a phoropter in front of her eyes.

Eye Exam Cost in Ontario: What Adults Pay and What OHIP Covers

What an eye exam costs in Ontario if you are 20 to 64, who OHIP covers as of October 2026, and how group vision benefits help with exams and glasses.

A woman in her thirties tries on a pair of round frames in a bright optical shop while an optician holds up a hand mirror and smiles.

How Much Do Glasses Cost in Ontario?

What drives the cost of prescription glasses in Ontario, why OHIP does not pay for them, and how vision benefits and tax credits can help.

A young woman in a bright bathroom gently putting in a contact lens in front of a mirror on a sunny morning before work.

Contact Lenses Cost in Ontario: What You Pay and How Vision Benefits Help

What drives contact lens costs in Ontario, why OHIP does not cover lenses as of October 2026, and how group vision benefits can help with the bill.

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How Much Do Braces Cost in Ontario?

What braces cost in Ontario as of October 2026, what drives the price, what government programs leave out, and how group orthodontic coverage works.

A relaxed woman in her thirties smiles while a dental hygienist in scrubs and a mask chats with her beside a bright, modern treatment chair with soft daylight from a window.

Dental Cleaning Cost in Ontario

What drives the cost of a dental cleaning in Ontario, how the ODA fee guide and scaling units work, and what preventive dental coverage typically pays.

A relieved woman in her thirties smiles gently while chatting with her dentist in a bright, modern dental office after a treatment, natural daylight through a window.

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What affects root canal cost in Ontario, how group dental plans treat endodontics, and where the Canadian Dental Care Plan fits, as of October 2026.

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Dental Crown Cost in Ontario: What Shapes the Price and How Coverage Helps

What drives dental crown cost in Ontario, how group dental plans treat major restorative work, and where the CDCP fits, as of October 2026.

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Dental Implant Cost in Ontario

Why dental implant costs in Ontario vary, why many group plans limit or exclude implants, and what OHIP, the CDCP and spending accounts pay.

A woman in a cozy sweater sits on a sofa in a bright, plant-filled counselling room, talking with a therapist across from her while afternoon light comes through the window.

How Much Does Therapy Cost in Ontario?

What therapy costs in Ontario depends on who you see. Learn what OHIP and free programs cover, what drives private fees, and how benefits and EAPs help.

A woman in her thirties lies relaxed on a treatment table in a bright, plant-filled clinic room while a registered massage therapist works on her shoulders, soft daylight coming through a window.

Massage Therapy Cost in Ontario: What You Pay and What Benefits Cover

What shapes massage therapy cost in Ontario, what RMTs must tell you about fees, why OHIP does not pay, and how group benefits usually help.

A physiotherapist guides a middle-aged man through a resistance band shoulder exercise in a bright, plant-filled clinic, both smiling mid-conversation.

Physiotherapy Cost in Ontario: What You Pay, What OHIP Covers and How Benefits Help

What shapes physiotherapy cost in Ontario, who qualifies for government-funded physio as of October 2026, and how workplace benefits help pay.

A woman in her thirties in workout clothes chats and laughs with a chiropractor beside a treatment table in a bright, plant-filled clinic with morning light.

Chiropractor Cost in Ontario: What You Pay and What Helps

What shapes chiropractor cost in Ontario, why OHIP does not cover it, and how group benefits, WSIB and the medical expense tax credit can help.

A woman in her forties chats with a friendly pharmacist across a bright neighbourhood pharmacy counter as she picks up a small paper prescription bag.

Prescription Drug Costs in Ontario

How prescription drug costs in Ontario break down at the pharmacy, what ODB, OHIP+ and Trillium cover, and where a workplace drug plan fits in.

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Hearing Aids Cost in Ontario: What You Pay, What ADP Covers and Where Benefits Fit

What shapes hearing aids cost in Ontario, how the Assistive Devices Program contributes, and how group benefits and an HSA can help cover the rest.

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Custom Orthotics Cost in Ontario: What You Pay and What Benefits Cover

What drives the cost of custom orthotics in Ontario, why OHIP and ADP rarely pay, and the rules group benefit plans use for orthotic claims.

Current as of October 2026. Government programs, tax rules and prices change. Check the official sources listed at the end of this page before making a decision, and confirm details with a licensed advisor.

What OHIP leaves for you to pay

As of October 2026, Ontario's health insurance plan does not cover routine care in a regular dental office; it covers only certain dental surgery done in hospital. Prescription drugs you fill at a community pharmacy, such as an antibiotic from your family doctor, are also outside OHIP for most working-age adults.

Eye exams follow age rules as of October 2026. OHIP covers a yearly major eye exam for people 19 and under, and one every 18 months for people 65 and over. Adults aged 20 to 64 are covered only if they have an eligible medical condition, such as diabetes or certain types of glaucoma. Publicly funded physiotherapy is limited to certain groups, such as people 19 and under, people 65 and over, and those recently discharged from hospital. For the full picture, see what OHIP does not cover.

Dental costs

Dental is usually the biggest out-of-pocket surprise, because one cracked tooth can turn a checkup into a much larger bill. Prices vary by clinic, by the dentist's fees and by how complex the work is. These guides explain what drives each one:

A father and his teenage daughter try on new eyeglass frames together at a cozy optical shop counter, laughing at their reflections in a small mirror.

Vision, hearing and medical devices

Frames, lenses and contacts are a recurring cost for many families. Hearing aids and custom orthotics can be significant one-time purchases. As of October 2026, Ontario's Assistive Devices Program pays 75% of the approved price for eligible devices for Ontario residents with a physical disability that requires the device for six months or longer, so the remaining 25%, plus any optional extras, is still yours to cover (people on certain social assistance programs may have more covered). Learn more about the Assistive Devices Program.

Therapy, paramedical care and prescriptions

A sore back after a weekend of yard work, a stressful season at work, a new daily medication: these are the costs that add up quietly over a year. Session prices depend on the practitioner, the length of the visit and where you live. Prescription costs depend on the drug and the pharmacy's dispensing fee. As of October 2026, OHIP+ covers eligible drugs for people 24 and under who are not covered by a private plan, and the Trillium Drug Program can help households whose prescription drug costs are high compared to their household income.

How a group plan changes the math

A group benefits plan typically reimburses part or all of eligible costs up to set limits, so a crown or a pair of glasses becomes a smaller, more predictable expense. Coverage levels, annual maximums and covered services vary by plan, which is why reading the schedule matters more than the plan name. Common building blocks include group dental coverage, extended health benefits for drugs, vision and paramedical care, and a health spending account for flexible top-ups.

Employer coverage also interacts with government programs. As of October 2026, people with access to dental coverage through an employer plan, including a health spending account that covers dental, are not eligible for the Canadian Dental Care Plan. If you run a business and want to offer your team real help with these costs, you can get matched with a licensed benefits advisor who can explain options that fit your budget.

Common questions

Does OHIP cover dental care for adults?

As of October 2026, OHIP does not cover routine care in a dental office. It covers only certain dental surgery performed in a hospital.

Are eye exams free in Ontario?

As of October 2026, OHIP covers eye exams for people 19 and under and 65 and over, and for adults 20 to 64 only with an eligible medical condition. Other adults usually pay for routine exams themselves or through benefits.

Can an employer plan affect eligibility for government dental coverage?

Yes. As of October 2026, having access to private dental coverage, including through an employer plan or a health spending account that covers dental, makes a person ineligible for the Canadian Dental Care Plan.

Sources and further reading

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