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Newfoundland Health Card and Medical Insurance

In Newfoundland and Labrador, you can only use the Medical Care Plan if you hold a Newfoundland health card.

You can only have access to the Medical Care Plan in Newfoundland and Labrador if you have the Newfoundland health card. And because of this, all residents of Newfoundland and Labrador especially new residents and international students must apply for it.

Basically, your MCP Card is mainly used for getting medical treatment. In addition to that, you can also use to get a Driver’s License as well as other services. However, we are going to talk about getting the card.

When it comes to Newfoundland health card, you can apply for it in two ways: firstly, by yourself, secondly through the help of an agency. But whichever way you choose, you must fill and submit an application form.

As a matter of fact, you can get the form at a hospital, at your doctor’s office as well as at the MCP office. You can as well simply download it from the MCP Website.

Newfoundland Health Card Application Process

There are many steps you have take while applying for a Newfoundland health card.

Firstly, you must fill and submit and application form as said above.

Secondly, you must include certain supporting documents in the completed form.

Thirdly, after filling the application form, you can submit it in two ways: apply in person to a Medical Care Plan office with your signed form and original supporting documents, or by mail by sending your signed form and a photocopy or original of your supporting documents to one of the MCP offices.

Application Documents For Newfoundland and Labrador Health Card

Before applying for A Newfoundland health card, you must provide documents to show a proof of your status in Canada:

  • Student Permit
  • Work Permit
  • Permanent Resident Card
  • Confirmation of Permanent Residency

Canadian Citizens must present documents that confirm their citizenship status

They may include:

  • Social Insurance Card 
  • Canadian passport
  • Official Federal Government Identity Card
  • Canadian Birth Certificate

Landed Immigrants must present

  • Record of Landing Documents from Citizenship and Immigration Canada.
  • Previous province or territory’s health care number or card
  • Proof that Canadian citizenship/landed status has not been lost if returning to Canada after a lengthy stay abroad

Foreign Workers must present an Employment Authorization (Work Visa)

This Employment Authorization must be:

  • Issued before coming to Canada
  • For a named Newfoundland and Labrador employer
  • For a specific job within the province
  • Valid for at least 12 months apart from foreign health care workers

Foreign/International Students must present a copy of a student permit issued by IRCC

The permit must be issued:

  • before coming to Canada
  • for an educational institution located in Newfoundland and Labrador
  • for a period of at least 12 months

Newfoundland Health Card Eligibility Requirements

In order to qualify for Newfoundland health card, there are certain requirements that you must meet. However, these requirements vary for each person.

Newfoundland Health Card Eligibility For Students

In order to qualify for Newfoundland health card as a student especially for new students. You must have a 12-month Study Permit.

Furthermore, you must be attending an approved educational institution full-time for a full-time program. 

Newfoundland Health Card Eligibility For Temporary Workers

Before you can qualify Newfoundland health card as temporary worker, you must have a work permit of more than 12 months.

Newfoundland Health Card Eligibility For Permanent Residents

All permanent residents of Newfoundland and Labrador who are able to establish residence in Newfoundland and Labrador are eligible for Newfoundland health card.

What Does Newfoundland and Labrador Health Care Cover?

With the Newfoundland health card, you can have access to the following services under the general category: 

  • visiting a physician’s office, hospital or beneficiary’s residence
  • surgical, diagnostic and therapeutic procedures, including anaesthesia
  • pre- and post-operative care
  • complete maternity care
  • radiology interpretive services
  • certain surgical-dental procedures performed in hospital by a dentist or oral surgeon

The Medical Care Insurance Insured Services does not cover the following:

  • physician’s advice given by telephone
  • drugs and vaccines
  • provision of medical appliances
  • writing of prescriptions
  • preparation of records, reports or certificates
  • services available under other provincial or federal legislation
  • physician’s travel time and expenses
  • ambulance services or other transportation
  • acupuncture and related services
  • non-medically necessary examinations 
  • surgery for cosmetic purposes
  • physician’s testimony given in a court
  • eye examinations for corrective lenses
  • routine, in-hospital, dental extractions
  • services provided by chiropractors, optometrists, podiatrists, naturopaths, osteopaths, physiotherapists, nurses or other paramedical personnel
  • newborn circumcisions
  • hypnotherapy
  • consultations required due to hospital policy
  • alcohol/drug dependency treatment outside Canada
  • Services provided in private non-approved Canadian diagnostic imaging facilities 
  • therapeutic abortions performed outside Canada
  • sex change surgery, 
  • in-vitro fertilization and ovarian stimulation and sperm transfer
  • reversal of a previous sterilization procedure

Newfoundland Health Card For International Students

All international students who want to take part in Newfoundland and Labrador health care you must:

  • First of all, undertake full time post-secondary studies in Newfoundland and Labrador.
  • Be eligible for MCP coverage.
  • Have an official study permit by Citizenship and Immigration Canada before entering the country.
  • Must be attending a recognized post-secondary educational institution in Newfoundland and Labrador for a period of at least 12 months.
  • Newfoundland and Labrador Health Care Plans and Benefits

Newfoundland And Labrador Health Care Programs and Benefits

The following are health care programs in Newfoundland and Labrador. Every resident of the territory with a valid Newfoundland health card can have access to them.

However, the resident must meet certain eligibility requirements. They include:

Medical and Hospital Services

In Newfoundland and Labrador, the Medical Care Plan (MCP) covers the following medical services:

  • Medically necessary physician and hospital visits including accommodations and meals.  
  • Surgical, diagnostic and therapeutic procedures 
  • Medically necessary pre-care and post-care.
  • Maternity care.
  • Radiology (X-ray) interpretive services.
  • Some medically necessary dental-surgical procedures.

The following medical costs are not covered by MCP:

  • Physician travel times. 
  • Prescription drugs and vaccines 
  • Medical examinations required by a third party.
  • Advice from a doctor over the phone.
  • Eye examinations 
  • Paramedical services e.g. acupuncture, chiropractor, optometrist, osteopath, naturopath, podiatrist and physiotherapist services.
  • Services that are not medically required such as cosmetic surgeries.
  • Reversal of a sterilization procedure.
  • Sex changes .
  • Routine dental services 
  • Hypnotherapy.
  • Drug and alcohol addiction treatment outside of Canada.

Special Assistance Program

This program hives assistance to qualified residents for basic medical supplies and equipment. The equipment assists with day-to-day tasks and activities.

However, before you can qualify, you must have your Newfoundland health card

Dental Services

You can receive dental services as a resident of Newfoundland and Labrador. This offers services for residents irrespective of age.

Included in the service are surgical procedures taken as medically necessary. However, these services must be performed in a hospital. Apart from that, it must be done by a doctor or oral surgeon. 

Children’S Dental Health Program

This is a special service and coverage for children under the age of 13 years old. It covers the following services:

  • Examination every 6 months.
  • Cleaning every 12 months.
  • Fluoride treatments every 12 months 
  • Extractions and fillings that are routine.
  • Sealant treatments.

Income Support Program

This program is available to teens between the ages of 13 to 17 years. In addition to that, your  family must be receiving Income Support. It includes:

  • Examinations every year.
  • Routine extractions and fillings.

However, the program does not cover the following:

  • removal of impacted teeth
  • fluoride and cleanings
  • sealants.

Low Income (Access) Program

If you are between 13 and 17 years old, you can access this program. But you must enroll in the Access Plan of the Newfoundland and Labrador Prescription Drug Program (NLPDP).

The benefits include:

  • Routine extractions 
  • fillings.

However, the plan does not cover expenses for:

  • Extraction of impacted teeth.
  • Sealants.
  • Cleanings.
  • Fluoride treatments.

Adult Dental Program

This is available to adults who enroll in the Foundation Plan 

Once you have your Newfoundland health card, you can have access to this program. Basically, it provides services every 3 years. Meanwhile, dentures are available once every 8 years.

However, the service does not cover the following: 

  • any preventive services 
  • an examination and two x-rays every three years.
  • routine fillings every three years.
  • extractions along with standard dentures

Newfoundland Hospital Insurance Plan

With the Newfoundland Hospital Insurance, you get coverage for the following: 

  • Accommodations and meals at standard rates. 
  • Nursing services.
  • Diagnostic procedures including laboratory, x-rays, nuclear medicine, respiratory therapy.
  • Drugs, medical and surgical supplies.
  • Rehabilitative services such as physiotherapy, audiology, speech therapy and occupational therapy.
  • Labour, delivery and operating room.
  • Radiotherapy isotopes and services 

In addition to the above, you can also get coverage for the following out-patient services:

  • Surgical and medical day procedures.
  • Rehabilitative services such as physiotherapy, audiology, speech language and occupational therapies.
  • Anti-rejection drugs for transplant patients 
  • Various lab, X-ray and diagnostic procedures.

However, you are not covered for the following services: 

  • Ambulance services except for inter-hospital transfer.
  • In vitro fertilization and other procreative treatments.
  • Drugs and appliances for use outside of hospital
  • Private duty nursing.
  • Services without specific medical indication 
  • Preferred accommodations 
  • RCMP and Canadian Armed Forces members who are otherwise covered by some federal insurance program.
  • Bedside devices like TVs, radios and telephones, unless used for teaching purposes.

Prescription Drug Program (NLPDP)

Generally speaking, prescription drugs are not covered unless they are administered in a hospital. However, you can receive financial assistance for drug coverage.

Anyway, this service must be provided by the Newfoundland and Labrador Prescription Drug Plan for residents of the province. But these residents must be eligible for: 

Foundation Plan: The program offers 100% coverage for people who are in financial need. However, they must qualify for MCP. 

65Plus Plan: This is for seniors aged 65 and up who receive OAS (Old Age Security Benefits). Also this covers the GIS (Guaranteed Income Supplement).

Access Plan: This is accessible to eligible prescription drugs by individuals/families with low incomes. However, the person must have a valid health card.

Assurance Plan: The plan is for individuals/families experiencing high drug costs when compared to income. 

Select Needs Plan: 100% coverage for residents with disease-specific medications. However, they must suffer from cystic fibrosis or growth hormone deficiency