What Your Provincial Health Plan Covers: Newfoundland and Labrador

Posted on May 16, 2013 and updated June 6, 2013 in Life Insurance Canada News, Provincial Health Plan 3 min read
nurses
Newfoundland and Labrador provides
coverage for nursing care.

Newfoundland and Labrador provides its citizens with a health care plan called the Medical Care Plan. Below is a point-by-point breakdown of what the plan actually covers.

What is Covered

  • Hospital and doctor visits
  • Surgical, diagnostic, and therapeutic procedures that include full pre-operation and post-operation care, along with the full maternity care process
  • Some surgical dental procedures that are deemed necessary by a dentist or oral surgeon and need to be done in a hospital
  • Dentistry for children

In Hospital

  • Standard accommodation and meals
  • Required diagnostic procedures, including x-rays, respiratory therapy, labs, and nuclear medicine
  • Surgical supplies and drugs 
  • Rehabilitation services, including occupational therapy, physiotherapy, audiology, and speech therapy
  • Surgical and medical day care procedures

What is Not Covered

  • Ambulance services, including hospital transfers
  • Drugs, vaccines, and medical appliances
  • Eye exams
  • Exams for outside parties
  • Acupuncture, chiropractor, optometrist, osteopath, naturopath, podiatrist, and physiotherapist procedures
  • Fertility treatments and vasectomy reversal
  • Drugs and medical appliances used outside the hospital
  • Services that are not deemed medically necessary, such as cosmetic procedures

Financial assistance is provided to residents in financial need, along with dental services for kids 12 and under. Dental services can also be provided to children 13 to 17 if their families receive income support. There are a number of plans that families can apply for to receive financial help for drug costs and other treatments that aren’t covered, including the following plans for the following people:

  • The Foundation Plan: All those in financial need
  • The 65Plus Plan: Seniors who receive OAS and the GIS
  • The Access Plan: Individuals and families with low incomes
  • The Assurance Plan: Individuals and families with very high drug costs

For more information on the provincial medical coverage in Newfoundland and Labrador, please visit its website. If you’d like to apply for supplemental drug coverage to take care of treatments not covered in the province, please call us at 1-866-899-4849.

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