Provincial Insurance Plans

Alberta Plans

Alberta’s provincial health care plans referred to as AHCIP, which stands for Alberta Health Care Insurance Plan. All residents of Alberta must register themselves and their dependents with AHCIP in order to qualify for benefits.Generally speaking, any service that is deemed medically necessary is covered by AHCIP.

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BC Plans

Health Insurance BC administers the provincial health insurance plan which consists of:

  • Medical Services Plan (MSP): Enrolment in MSP is mandatory for all BC residents and their dependents. Premiums are billed one month in advance. MSP provides medical and health benefits, with premiums determined by family size and income. If you are new to B.C. make sure you apply for MSP immediately upon arrival. 
  • Pharmacare: covers prescription drugs and various medical supplies.  
  • Fair Pharmacare: most common Pharmacare plan. Provides assistance for prescription costs; deductibles are primarily based on income.

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Manitoba’s provincial health plan is known as “Manitoba Health, Seniors and Active Living “, and the provincial drug benefits program is known as “Pharmacare”. These benefits are available to all permanent residents of Manitoba who reside in the province for a minimum of 6 months a year.

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New Brunswick’s provincial healthcare plan is called Medicare. Medicare is available to permanent New Brunswick residents that reside in the province at least 6 months out of the year.

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The Newfoundland and Labrador public healthcare plan is called the Newfoundland and Labrador Medical Care Plan (MCP).

MCP covers the following medical services:

  • Medically necessary physician and hospital visits (accommodations and meals). Home visits may also be covered.
  • Surgical, diagnostic and therapeutic procedures (including anesthetic supplies and services).
  • Medically necessary pre-care and post-care.
  • Maternity care.
  • Radiology (X-ray) interpretive services.
  • Some medically necessary dental-surgical procedures when performed in a hospital by a dentist or oral surgeon.

For more information, click here.

NWT Plans

The Northwest Territories provides government health care called the NWT Health Care Plan. It is available to NWT residents, and the following is a summary of coverage and benefits.

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Residents of Nova Scotia are covered for medical expenses under the Medical Services Insurance Program, also known as MSI. The province also offers residents the Hospital Insurance Program, which covers hospital related costs.

MSI programs provide eligible residents with coverage for medically required hospital, medical, dental as well as optometric services (restrictions do apply).

For more information, click here.


Ontario’s provincial healthcare plan is referred to as OHIP, which stands for the “Ontario Health Insurance Plan”.

OHIP coverage is available 3 months after a person establishes residency in Ontario.

If you have just moved to Ontario from another country or if you are a returning expat then apply for OHIP as soon as you arrive in Ontario.

For more information, click here.

PEI Plans

Prince Edward Island offers residents the Health PEI provincial healthcare plan which covers basic hospital and medical treatment as well as other benefits.

The following summarizes Health PEI coverage.

For more information, click here.

Saskatchewan Plans

Saskatchewan Health is the provincial healthcare plan that is available to all permanent Saskatchewan residents.

Please use the following as a concise summary of Saskatchewan’s health care plan.

For more information, click here.

Yukon Plans

The Yukon Health Care Insurance Plan (YHCIP) is available to all permanent Yukon residents.

The following summarizes Yukon Health Care Insurance Plan coverage and benefits.Affordable Health & Dental Plans

For more information, click here.