The Emergency Departments are experiencing high volumes of patients who need care. Please be prepared to wait. The most serious cases are treated first.
Not all health concerns need emergency care. You can also book a virtual visit or go to an urgent care clinic for these concerns. For life-threatening symptoms, call 911 or go to the nearest hospital.
Thank you for your patience.
Understanding the cost of your care is important — and you are not alone.
We are here to help you with your medical bills and insurance when you visit Waterloo Regional Health Network (WRHN). Our team makes the process simple, so you can focus on your health.
You may have heard that healthcare in Canada is free, but that is not entirely true. Every hospital service has a cost, but if you live in Ontario and have a valid health card, the province pays most costs for you through the Ontario Health Insurance Plan (OHIP).
Some services are not covered under OHIP. If you do not have private insurance, you may need to pay for them. Patients without health insurance or those visiting from another country will also have to pay for their care.
Our Patient Accounts Team can help you pay your bill for WRHN services. We accept payment by debit card, Visa, MasterCard, cheque, bank draft, and money order.
You will need to pay your bill to the site where you received care. Please include your medical record number (MRN) when you pay your bill. You can find your MRN on the top right or lower left corner of your bill.
Here are more details about the different ways you can pay your bill:
To pay your bill in person, visit the patient accounts offices at select WRHN sites:
Visit the patient accounts office in room C302 on the main floor by the elevators. They are open Monday to Friday from 8 a.m. to 4 p.m., except on holidays.
There are also two secure drop boxes where you can leave your payment at any time. One is to the right of the doors at the main entrance, and the other is at the entrance to WRHN @ 40 Green.
The team at the cashier/switchboard office can help you pay your bill at WRHN @ Queen’s Blvd. The office is on the first floor near the entrance and is open 24 hours a day, seven days per week.
The patient accounts office at WRHN @ Chicopee is on the main floor of Pioneer Terrace in room 139. They are open Monday to Friday from 8 a.m. to 4 p.m., except on holidays.
You can send a cheque made out to Waterloo Regional Health Network. Payment can be mailed to the following addresses:
Fill out the top part of your bill with your credit card details and mail it to us. Payments can be mailed to Waterloo Regional Health Network, Attention: Patient Accounts at the mailing address listed on your bill. You can also pay by credit card over the phone by calling:
You can pay your bill by telephone banking, just like online banking. Contact your bank for more details.
Bring your bill to your bank, and the teller can help you make the payment.
There is a $25 fee for any returned payments. If you need a receipt, please ask us and we will send you one. For general questions, you can email:
You can send an electronic funds transfer (e-transfer) through your bank’s website. There will be two payment options for you to choose from:
Please use “@ WRHN – Midtown” for services received at the Midtown or Chicopee sites and “@ WRHN – Queen’s” for services received at the Queen’s Blvd. site.
Use the form below to pay your bill on our website. You will need a PayPal account for this option. Please include your medical record number (MRN) in the comments section.
Please note: This is available in English only. Content within the above iFrame cannot be translated and may not reflect the language settings of the page.
Health insurance helps pay for medical care, so you do not have to cover all the costs yourself. It makes it easier to get the care you need.
If you live in Ontario and have a valid health card, you are covered by the Ontario Health Insurance Plan (OHIP). OHIP pays for most healthcare services, so you can get care at no cost. You will need to bring your health card with you when you visit a doctor or use healthcare services.
Private health insurance can also help you afford the care you need. It helps pay for services OHIP does not cover, like prescription medicine, dental care, and eye care. Many people get private insurance through their job, but you can also buy it for yourself from an insurance provider.
We want to help make sure your hospital care is covered. If you have health insurance from another Canadian province or the federal government, please give us your insurance details when you arrive. This includes plans like:
We will bill your insurance provider directly. If your plan does not cover something, you will need to pay for it. Contact your insurance provider if you have questions about what services will be covered. If you visited WRHN and did not give us your insurance information, contact us as soon as possible. Otherwise, you will get a bill in the mail. You can call the Patient Accounts Team at:
If you do not have health insurance or are visiting from another country, you will need to pay for your care, such as:
If you have private insurance from a Canadian company, we can bill them directly for your hospital fees. However, if your insurance is from outside of Canada, you need to pay for your visit and submit the cost to your insurance provider.
Having a baby is an exciting journey. Our goal is to give you clear, supportive information to help you prepare for childbirth at WRHN.
If you are not a Canadian resident and do not have health insurance, you will need to pay for your care. If you are unsure about your residency status in Canada, you can find more information on the Government of Canada’s website. We are here to help you understand the costs and what to expect.
The labour and childbirth deposit is $10,000. This covers care during delivery, medicine, lab tests, your hospital room, and care for your baby. The total cost of your stay will depend on what care you and your baby need.
After your stay, you will get an account statement with the cost of your care. Any unused money from your deposit will be returned to you. If your care costs more than your deposit, you will have to pay extra.
When you give birth, doctor fees are billed separately from your labour and childbirth deposit. You can talk to your doctor for more information.
Prenatal care is the care you get while you are pregnant to help keep you and your baby healthy. To get prenatal care at WRHN, you have to pay a deposit to both the Hospital and the doctor first. Then, we will assign you a doctor (obstetrician). We will also explain all the fees at your first appointment.
These documents share more information about childbirth services and fees for patients without insurance:
If you need an ambulance for a medical emergency in Ontario, hospitals must charge you a fee. This fee is set by the Ontario Ministry of Health:
If you need help paying your medical bill, please call us. A member of our Patient Accounts Team can talk through your options with you. You can reach us at:
If you have questions, you can call the Patient Accounts Team at:
You can pay your bill at the patient accounts offices at WRHN @ Midtown, WRHN @ Queen’s Blvd., WRHN @ Chicopee. You will need to pay your bill to the site where you received care. For more details, visit the Paying Your Bill section.
If you need emergency care, you will get treatment even if you cannot pay right away. You will receive a bill, but we are here to help. If you need more information about bill payment options or financial assistance, you can call our team at:
