Home Care: Free or Private?
What Is Covered by OHIP—and What’s Not?
Many people believe “Canadian Universal Healthcare” means healthcare is consistently available to everyone, or that “universal” means public and free. In reality, Canadian healthcare is neither consistent from province to province nor always public or free.
Understanding “Universal” Healthcare in Ontario
Healthcare services are governed at the provincial level, so each province approaches essential services differently. It’s misleading to claim we have universal or consistent standards across Canada.
In Ontario, while many healthcare services are funded by the government, most are provided by private industry. Hospitals are typically publicly owned and operated, but most doctors are private practice owners who bill the government for their services. Nurses and support staff are hospital employees, but most physicians work independently and charge OHIP (Ontario Health Insurance Plan) on a fee-for-service basis.
Similarly, most imaging clinics, labs, therapists, equipment providers, and home care providers are private businesses. They either bill the end user directly or contract with the government to bill for their services.
Our healthcare system is a complex mix of private practices, private insurance, government insurance, outsourcing, not-for-profit agencies, and some government-run services. Most people don’t fully understand how it all fits together—and honestly, nobody does!
The real challenge during a medical crisis is figuring out what services are available and who pays for what.
Home Care Services in Ontario: Free or Private?
Did you know that in Ontario, beyond the most basic needs, you are often responsible for finding and paying for your own caregivers and home care services? Some home care “tasks” are covered by the government, but most needs or circumstances are NOT covered by OHIP.
What Is Covered?
Activities of Daily Living (ADLs)—such as bathing, grooming, dressing, toileting, mobility, eating, and continence—are considered essential personal-care tasks. Ontario Health atHome will assess seniors and people with illness or disability to determine eligibility for assistance. This assessment is not based on income, family status, or available family support, but solely on which ADLs a person struggles with and the associated safety or health risks.
How Much Help Can a Senior Receive for Free?
Disclaimer: This is not official advice. Policies at Ontario Health atHome change frequently and depend on each Case Manager’s assessment and resource availability. Your experience may differ from your neighbor’s. The following is an oversimplified, unofficial guide to help you prepare for conversations with Ontario Health atHome.
People tend to qualify for Personal Support Worker (PSW) assistance at six different levels:
- Minimal – 3 one-hour visits per week for safe bathing or showering.
- Daily Basic – One hour per day, 7 days a week, for dressing, personal care, mobility, feeding, and toileting.
- Daily AM and PM – Two visits per day (max one hour each), 7 days a week, for morning and evening routines.
- Temporary Advanced Care – Customized daily care (daytime only), exceeding 14 hours per week, for palliative patients or those waiting for long-term care placement.
- Family Managed Home Care Program – Funding is provided to families to arrange, hire, and manage care themselves, typically for children with complex needs, adults with acquired brain injury, or seniors with extraordinary circumstances.
- Caregiver Distress Supports – Up to 8 additional hours per month for respite, available to existing patients when standard plans are insufficient for family caregivers experiencing burnout. These hours can be bundled for flexibility.
Quick Contacts for Toronto and Mississauga Families
- Ontario Health atHome: Dial 310-2222
- https://www.ontario.ca/page/home-care-seniors
Private Home Care: For Those Who Need More
If your family needs more than the short, infrequent visits that are offered by Ontario Health atHome, or requires care beyond basic ADLs, you’ll need to either provide the services yourself or work with a professional private service like In-Home Assisted Living.
Private care plans with In-Home Assisted Living focus on:
· Matching caregivers’ personalities and skills to clients,
· Ensuring consistency of caregivers,
· Providing reliable schedules (including nights and weekends) so families can manage their other responsibilities.
· Developing full Care Plan services that include cooking, laundry, companionship, safety supervision, and escorts to appointments and activities.
For a detailed list of services, download our https://www.ihal.ca/caregiver-checklist
Choosing Homecare or Senior Care in the GTA
Choosing the right mix of government and private services doesn’t have to be stressful. With the right support, your family can enjoy peace of mind and the highest quality of care. Combine your services from Ontario Health atHome with the professional private services of In-Home Assisted Living today—let’s build a brighter, safer future for your loved ones, together.
Contact Us for a Free Consultation in the Greater Toronto Area.
Have questions or need help building a care plan? Contact us today for a free, no-obligation consultation.
In-Home Assisted Living:
- Call: 416-595-5888
- Email: care@ihal.ca
- Website: https://www.ihal.ca/
These Blogs are written by Steve Jones, President of In-Home Assisted Living Inc. The topics and content reflect the everyday discussions that Steve and the Care Managers at In-Home Assisted Living have with families about their needs and concerns.










