Good Day! I am permanent resident since September 2018. I made a soft landing and stayed for a week then returned to my homeland for undergoing surgery and planning pregnancy. I plan to permanently move to Canada once I am pregnant. I was wondering if I should settle in Calgary where there is no waiting period for Health Benefits or should I move to Toronto and pay expenses during 3 months out of the pocket(Toronto is my primary choice for settlement)? What are presumable costs of medical appointments for pregnant women in Toronto for second trimester?