Best Health Insurance BC

October 21, 2020 | Editorial Team

Best Health Insurance BC

Introduction

With the recent Covid-19 pandemic, you are likely looking for more information about healthcare in BC. We don’t want you to worry, so we created a guide to quickly find information about thebest health insurance in BritishColumbia.

So, if you want more information about the provincial healthcare available or about private options, you’ve come to the right place! Let’s jump into this information-laden guide about your healthcare options in British Columbia.

How Health Insurance Works

In Canada, public health insurance is available to all citizens and residents. Each province has its own health care policies, and coverage in BC is no different.

Personal health insurance, BC, comes from the medical services plan, which we’ll touch on in more detail next. Once you have an insurance card, you can bring it with you to visit the doctor or a hospital in Canada for free.

Here are a few of the services you will receive coverage for with your health insurance, BC.

  • Medical service from a physician and/or midwife
  • Maternity care.
  • X-rays and lab services.
  • Non-cosmetic surgery.
  • Dental or oral surgery that is medically required.
  • Eye exams when you’re under 19. If you are over 19, eye exams will only be covered if they are medically necessary.
  • Prescription drugs (if you are eligible for prescription drug coverage).
  • Ideal if you are self-employed.
  • Supplementary benefits are available if you’re eligible. This includes acupuncture, chiropractors, massage therapy, naturopathy, and physical therapy.

If you require coverage or benefits beyond this health insurance plan, private insurance is also available. This is when you pay a private company for more comprehensive insurance. You will typically pay a monthly fee to be covered privately, while the government health insurance is now free in BC.

Is Health Insurance Necessary in BC?

Personal health insurance is mandatory in British Columbia. This is good news because the government provides a great plan. British Columbia’s Medical Services Plan (MSP) is available for both British Columbians and temporary residents. This includes refugees, students, and temporary workers who reside in British Columbia for longer than six months.

The BC MSP covers most doctor services and medical tests. Some residents may also be eligible to receive coverage for their prescription drugs as well. Things like dental services, cosmetic surgery, eye care, and ambulances are not covered by the MSP, BC.

There used to be a monthly premium for the MSP. Medical services are now available for free in British Columbia. As of January 1, 2020, eligible residents don’t have to pay a premium. This has made it easier to receive treatment and testing for health disasters such as Covid-19 in British Columbia.

Even though the medical services plan is free, it is still mandatory that residents register for it. Registering is easy and can be done online as soon as you arrive in the province. Adults will also be required to visit an Insurance Corporation of BC office to finalize the enrolment for their health insurance and get their medical services card.

Benefits of Health Insurance

One of the main benefits of health insurance in BC and Canada, in general, is that it is free. As the government no longer requires you to pay a premium, you will simply receive personal health coverage at no cost.

This gives you access to medical care and hospitalization, so you don’t have to pay extortionate fees when you’re sick or in need of emergency care.

If you want private health insurance/ insurance for additional services, there are plenty of benefits to that as well. Private health insurance will cover things that the government does not. Anything from prescription drugs to eyewear, dental care, and therapy could be in your coverage.

Paying a monthly fee to receive inclusion for these services tends to be less than paying for them out of your pocket. There are plenty of great private insurance/ health insurance providers out there that can provide more specific information to you.

Ultimately, having health coverage either from the government or private companies, won’t hurt you. It’s always better to be safe than sorry, and health insurance will keep you protected.

The Bottom Line

As Canada offers free healthcare to its citizens, why wouldn’t you get it? In BC, you don’t have a choice anyway, as registering for healthcare is mandatory. Once you do, you can pop into any doctor’s office (typically with an appointment) or hospital and receive state of the art treatment for free.

This guide is only a brief look into healthcare in BC. If you want more information, the government’s medical benefits website goes into great detail. The only information you really need to know is that healthcare in Canada is free. So, if you haven’t already applied for it, what are you waiting for?