Will MSI Provide Coverage During An Extended Absence?
By Krista DeKuyper | June 13, 2023 |
Medical Services Insurance (MSI) is a publicly-funded health insurance program offered in Nova Scotia, Canada. The program covers primary medical care, including consultations, diagnostics, and some medical procedures. However, there are specific guidelines that you need to follow to ensure that you are eligible for this coverage. If you’re planning to be away for a long period of time and are asking yourself will MSI provide coverage during an extended absence? You’ve come to the right place.
Understanding Extended Absence
The MSI program is designed to cover only those individuals who are permanent residents of Nova Scotia and intend to remain in the province for at least six months.
MSI Coverage During Extended Absence
If you plan to leave Nova Scotia for a prolonged period, you must notify MSI before you leave the province. Depending on the duration of your absence and the reason for your departure, MSI may cover some medical services and procedures during your absence. However, the coverage may vary based on several factors.
Additionally, if you are a student, you will be provided coverage as long as you maintain full-time student status.
You must send proof of full-time enrollment each year during your full-time studies before 30 September to continue your MSI health coverage.
If you are working in another Canadian province for more than 12 months, you should contact that province for coverage. There is an Eligibility and Portability Agreement with all the provinces and territories.
If you are on vacation, you will have continuous coverage if you are leaving Nova Scotia for up to seven months. Residents are entitled to a 12-month absence once every six years.
If you are going on vacation for over six months – but less than 12 months, you will be entitled to extended absence after adhering to the 183 day ruling for five consecutive years.
Factors Affecting MSI Coverage During Extended Absence
Some of the key factors that may affect your MSI coverage during an extended absence include:
- The duration of your absence
- The reason for your absence
- Your employment status while you are away
- Your residency status in the place you are going to
How Long Will MSI Provide Coverage?
MSI typically provides coverage for up to six months for those who plan to return to Nova Scotia. If you plan to remain outside of Nova Scotia for an extended period, you may not be eligible for MSI coverage. In addition, any medical services or procedures that you receive while away may not be reimbursed, except for emergency medical care.
Guidelines for Claiming MSI Coverage During Extended Absence
It’s important to notify MSI before leaving Nova Scotia for an extended period. You may be required to submit a form outlining the reason for your absence and the expected duration. If you need medical care while you are away, you may be required to pay upfront and submit a claim for reimbursement later.
Options When MSI Coverage is not Available
If you plan to be away for an extended period and do not qualify for MSI coverage, there are still options available to you. Many private insurance companies offer travel insurance that can cover medical expenses, while you are abroad. You can also consult with your healthcare provider to see if any preventative clinics are available at your destination.
If you’re looking for travel insurance, take a look at our travel insurance quoting tool
If you’re looking for private health care, use our instant quoting tool.
Conclusion
For individuals who plan to leave Nova Scotia for an extended period, it is important to understand the limitations of MSI coverage. While preventive healthcare services like pap smears are typically covered, eligibility for coverage can vary depending on several factors. By understanding these guidelines and exploring your options, you can ensure that you are adequately prepared for any potential medical needs during your extended absence.
