Travel

Being out of ontario for more than 7 months - Ohip

  • Last Updated:
  • Aug 1st, 2019 1:11 pm
[OP]
Sr. Member
User avatar
Aug 20, 2006
675 posts
9 upvotes
TORONTO

Being out of ontario for more than 7 months - Ohip

Looking for clarification on the wording below in simple terms as my elderly parents and myself are finding it confusing.

If you plan to be outside Canada for more than seven months in any 12-month period you can keep your OHIP coverage for up to two years if you:

have a valid health card
make Ontario your primary home
will be in Ontario for at least 153 days a year in each of the two years immediately before you leave the country


They already live here but need to have their medical appointments twice a year. Does that mean that they have can stay here for 5 months and then leave and come back in 7 months each year.
7 replies
Deal Addict
User avatar
Dec 18, 2007
4439 posts
425 upvotes
Nope.
Seems the 2 years is a grace period of sorts.
If they're gone more than 1/2 the year, than this isn't primary residence.

The rules are intended for people that plan on spending at least half their time here and not just showing up when it's convenient.
Deal Fanatic
User avatar
Nov 13, 2010
7018 posts
1364 upvotes
Scarborough
Ohip wont know if you dont tell them.
Simple.
Deal Expert
Feb 7, 2017
16150 posts
13438 upvotes
Eastern Ontario
apnayloags wrote: Ohip wont know if you dont tell them.
Simple.
Incorrect ...
CBSA is now collecting data on Cdns leaving Canada ...
Not just those returning here

https://www.canada.ca/en/border-service ... ative.html

The info will belong to the Govt of Canada
But it’s is to prevent fraud when it comes to government services etc
So expect the data to be shared with Revenue Canada and Provincial Medicare Providers
Deal Expert
Feb 7, 2017
16150 posts
13438 upvotes
Eastern Ontario
Ya gotta do the math
With this new formula
So it’s out of country for more than 7 months in ANY 12 month Block

So if you are out of Canada as a Snowbird ...
November & December 2019
And also January, February, March, April 2020
Sub Total = 6 months
Plus Spend July & August 2020 away in Europe
Sub Total = 2 months
TOTAL = 8 months

You’ve exceeded the 7 month limit for the 12 month block that runs November 1, 2019 thru October 31, 2020

And you’d only get to keep your OHIP benefits if you were in ONTARIO for 153 Days in 2019 before November 1st
As well as 153 Days in 2018

It’s complicated for sure

The best rule of thumb is to go by the old rules ... which are more stringent
And also apply to Revenue Canada for Cdn Residency Status

Don’t be out of Canada any more than 6 months less a day in a straight run
And no more than that same 6 months less a day in any calendar year

So November 1, 2019 thru April 29, 2020 is ok
But January 1, 20xx thru July 6, 20xx is not

Nor is ok when your total for the year adds up to that six months less a day

So cannot be out of country ... January, February, March, April in the beginning of the year
And then October, November and December at the end of the year

This is WHY you see a lot of snowbirds leaving late fall / early winter
Or returning late winter / early Spring
They are counting their days out of country

And if they like to travel in the good weather months too...
Like Summer Getaways to the USA, or Europe
Then all those days get counted too for their calendar year totals

Here’s a good read
https://www.cbc.ca/news/canada/canadian ... -1.2925513
[OP]
Sr. Member
User avatar
Aug 20, 2006
675 posts
9 upvotes
TORONTO
Thank you everyone for your insight and comments.
Deal Fanatic
User avatar
Nov 13, 2010
7018 posts
1364 upvotes
Scarborough
Some province like Alberta cover from day 1 after arrival, no waiting period
Provinces need to eliminate the waiting period of 90days its really stupid

And expecting cbsa and other levels of govt to cooperate and all that, lol yeah. Keep in mind privacy laws so i doubt they can do much
Maybe just for welfare or ei stuff cuz there is money involved.
Member
Nov 26, 2012
324 posts
282 upvotes
Toronto
If you leave the country today, August 1, 2019, and plan to stay away for more than 7 months, you will get health coverage until Jul 31, 2021. You need to be able to demonstrate you lived in Ontario for 153 days each of the previous 2 years. And that Ontario remains your primary home.

This guideline is a generous benefit for people who leave the country for a year or so (up to 2) because they have to be or want to be somewhere else but have every intention of coming back to live in Ontario full time (eg someone going to another country for contract work for a year, someone doing a gap year, someone who is going to take care of a sick family member, etc). It sounds more like your parents want to live somewhere else as their primary residence and come back to use the health insurance. Thats a misuse of this benefit but no doubt many people misuse it. I don’t know what you would do after 2021 though...

It’s far easier just to make sure to stay in Ontario 153 days plus 1 extra just in case. At a certain age, you don’t want the uncertainty of being deemed ineligible for coverage.

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