Newfoundland & Labrador Department of Health and Community Services is responsible for providing the publicly funded health care for all legal residents of NL. The health care plan is often called MCP Newfoundland, and it is available to all legal newcomers to the province who apply for it through the right channels.
In addition to overseeing the administration of health care services in the province, this department is responsible for leadership in health and community programs, services, and policy development. There are three main components of the province’s public insurance health program – the Medical Care Plan, the Hospital Insurance Plan, and the Dental Health Plan.
If you have decided to settle in NL, then you should inform yourself about the MCP Medical Health Plan, how to register, and what medical services it covers. Knowing this will help you in your search for the best supplemental insurance program for you and your family’s needs.
The MCP is a provincial health care plan designed to provide basic medically necessary health services to the people of NL. To be eligible for MCP coverage, you must be either a Canadian citizen or a legal immigrant (and live in the province for at least four months per year).
MCP covers many basic medical services, while certain procedures (deemed non-medically necessary) are excluded from the plan, such as basic dental care and medication (drug costs are covered by other programs).
The Medical Care Plan coverage also extends beyond the borders of NL, including while you are abroad. However, you should know that your coverage when outside the country is provided up to the amount of equivalent service in the country (or what’s billed), whichever is less.
To get the financial protection you need, reduce your out-of-pocket expenses, and have your peace of mind (especially while travelling abroad), it is recommended that you opt for an additional health insurance plan.
MCP coverage is available to all eligible citizens of NL. Eligibility requires that all participants are:
The NL Prescription Drug Program (NLPDP) is designed to provide financial help for purchasing eligible prescription drugs for residents of the province. The NLPDP is divided into five main plans:
The NLPDP will pay for your prescription costs only where those services are not reimbursable by a third party. In other words, it’s the payor of last resort.
International students on full-time post-secondary studies in NL are eligible for Medical Care Plan coverage. In order to receive the MCP health card, the individual must be attending a recognized educational institution in NL for at least 12 months.
To receive health coverage in NL, international students need to register and apply for an MCP card. At the time of registration, you need to present a letter of enrollment from the educational institution. Your coverage becomes effective on the later of the date of enrollment of the date of arrival in the province or enrollment in an educational program.
Health coverage for international students is available for hospital and physician services that are listed under the Medical Care Insured Services Regulations and the Hospital Insurance Plan Regulations. As for other services, health insurance is available for students to purchase via post-secondary institutions they are attending.
NL residents can apply for coverage in-person or via mail and fax. The filled out Application Form must be delivered to MCP’s office, along with the citizenship/immigration documentation and appropriate identification. Click on the link to download your Application Form here or get one at doctors’ offices and hospitals throughout the province.
Residents of the province eligible for coverage under the MCP must be residents of the province. Eligible residents are classed into four groups:
Groups not eligible for NL MCP coverage, despite living in the province, include:
MCP beneficiaries who plan to leave the province of NL, MCP will cover physician services specified under the Hospital Insurance Plan and Medical Care Plan. When it comes to services not listed there, their expenses may not be covered when received in another province or country. For example, transportation expenses (air and ground) outside the province most likely won’t be covered.
When leaving NL, it is wise for you to be prepared for the unexpected by purchasing additional insurance before leaving the province (regardless for how long).
You should obtain an Out-of-Province Coverage Certificate if you’re leaving NL for more than 30 days.
Properly filled out applications along with all supporting documentation typically take about two weeks to be evaluated. Once accepted, you will receive your MCP Card with a personal health identity number. When registering, there are no premiums or charges for registration.
If you want to apply for your health card in person, you should bring your completed application (along with all supporting documents) to one of two MCP offices. The offices are currently closed because of the COVID-19 pandemic, but they’re still processing health card applications. Both offices have drop boxes where you can leave your application for review.
You can bring your application either to:
St. John’s Office: MCP
45 Major’s Path, PO Box 8700
St. John’s, NL, A1B 4J6
Telephone: 709-758-1600 Toll Free: 1-866-449-4459 Facsimile: 709-758-1694
Grand Falls-Windsor Office: MCP
22 High Street, PO Box 5000
Grand Falls-Windsor, NL, A2A 2Y4
Telephone: 709-292-4000 Toll Free: 1-800-563-1557 Facsimile: 709-292-4052
You can also mail or fax your application form (along with photocopies of all the necessary supporting documents).
Residents of NL cannot apply for their MCP Health Card online. We will keep track of any changes regarding the possibility of online application and update this article to provide detailed information on how to apply online for a NL MCP Health Card.
Canadians moving to NL must provide one of the following documentation:
Landed immigrants moving to NL must provide the following documentation:
At the time of registration, MCP may request other documents to verify your eligibility or identity. It is acceptable to deliver high-quality photocopies of the documentation. If you deliver the originals, they will be returned to you.
Visit MyGovNL, create an account, activate it, and you can use the portal to:
MCP Health Cards issued since 2006 have an expiry date, which allows the department to maintain a clean database to enhance the accountability of MCP and improve the monitoring mechanism.
You are responsible for renewing your MCP Health Card before the expiry date. About 80 days before the card’s expiration, you’ll receive a form via mail asking to confirm your personal information. Fill out the form, return it via the postage paid envelope provided, and MCP will process and send you your new NL MCP Health Card. Destroy and discard your previous card and start using the new one.
You can also renew your health card online via the MyGovNL online portal. The renew it online, you must:
have been a permanent resident of NL for more than a year;
have an MCP Health Card that has been expired for less than a year, or will expire within 3 months; and
be 16 years of age or above.
MCP will send your new health card via mail once your online registration is successfully completed.
To renew your child’s MCP Health Card online, you need to meet the following requirements:
Your child must be under 19 years of age;
Your child must be a permanent resident of NL; and
You must be the parent or legal guardian.
In case your NL MCP Health Card gets lost, damaged or stolen, you must replace it. In order to get a replacement card, you must fill out a Card Replacement / Information Update form and submit it via mail to an MCP office.
In case you’ve changed your place of residency, it is important to notify the MCB about your address change. Click on the link to download your Card Replacement / Information Update form. When filling it out, be sure to check the Address Change box under the reasons for completing the form.
You can also change your MCP address by:
All permanent residents of NL are entitled to provincial, universal, government-funded health coverage. Keep reading to find out more about what’s covered and what isn’t covered by the Medical Care Plan, as well as about extended health care, drug plans, and coverage for those traveling within the country and beyond its borders.
The Dental Health Plan is a part of NL public insurance health program and it is divided into five programs:
Children’s Dental Health Program: 0-12 years
The program provides dental services for children up to 12 years of age. Covered services include: cleanings every 12 months; examinations every 6 months; sealants; routine fillings and extractions; and fluoride applications for those aged 6-12 years every 12 months.
Income Support Program Youth: 13-17 years
The program provides basic dental services (which are listed in the Dental Health Plan Payment Schedule). Services are available to people aged 13-17 whose family receives Income Support. Covered services include: Examinations every two years and routine fillings/extractions.
Low Income (Access) Program Youth: 13-17 years
The program provides basic dental services (which are listed in the Dental Health Plan Payment Schedule) to people aged 13-17 who meet eligibility criteria and have enrolled in this plan. Covered services are the same as for the Income Support Program.
Adult Dental Program: 18+ years
The program provides basic dental services (which are listed in the Dental Health Plan Payment Schedule). There is the addition of a denture component, with a limitation to standard dentures only. Covered basic services can be received every 3 years, and dentures every 8 years.
The costs of standard dentures will be paid by the Adult Dental Program, while any additional costs are the responsibility of the patient. Before commencing with a treatment, it is advised that you talk with your dental provider about the expenses.
Surgical Dental Program
The program provides insured dental services under the Medical Care Insurance Act. Such services are defined as those that are:
There is no co-payment for eligible services received under any of these dental programs. However, there is a certain annual cap per patient. However, there is an annual cap for services received under the Adult Dental Program - $300 for basic dental services and $1,500 for dentures.
Unless they are administered in a hospital, prescription drugs are not covered by the NL MCP. However, there are programs designed to provide financial help for prescription drug coverage. There are five prescription drug coverage plans, including:
The Foundation Plan
Provides complete cost coverage for residents in financial need, such as those receiving governmental financial support.
The Access Plan
Provides prescription drug coverage for individuals and families with low incomes. Those who meet the eligibility criteria for this plan are:
The 65Plus Plan
Provides prescription drug coverage for senior residents (65 years old and up) who receive Guaranteed Income Supplement (GIS) and Old Age Security Benefits (OAS). Those eligible for the 65Plus Plan are automatically qualified for the Ostomy Subsidy Program.
The Assurance Plan
Provides prescription drug coverage for individuals and families who are experiencing high drug costs (relative to their net annual income). According to this plan, drug coverage is based on the following:
The Select Needs Plan
Provides full prescription drug coverage for all residents who suffer from growth hormone deficiency or cystic fibrosis, and need to take disease-specific medications.
The Hospital Insurance Plan is the third main component of NL’s public insurance health program, and it offers the following in-patient hospital coverage:
Furthermore, there is some coverage for certain out-patient hospital services, such as:
The hospital plan doesn’t cover the following services:
Since 2007, health care coverage under the MCP has been extended to foreign students attending post-secondary educational institutions in NL. It applies to any non-Canadian individual who received a study permit issued by Citizenship and Immigration Canada. They must attend a recognized post-secondary institution in NL for at least one full year.
Health coverage for international students (and their dependents) becomes effective on the day of enrollment in an educational program, and it’s renewable each year. If eligible, you’re required to present a letter of enrollment from the educational institution.
As for the medical services, international students can only receive services listed under the Medical Care Insured Services Regulations and the Hospital Insurance Plan Regulations. Other services, such as NLPDP, are available to them if they purchase additional coverage through their post-secondary educational institution.
The coverage and services that seniors receive as MCP beneficiaries include the 65Plus Plan (prescription drug coverage) and access to personal care homes and long-term care facilities.
When it comes to residential options, there are a variety of them available to senior NL residents. The Department of Health and Community Services provides funds for subsidies to eligible senior residents who reside in:
|X-Rays and Exams||If deemed necessary in an approved public hospital.|
|Eye Exams||Children - $55 once a year
Adults - $55 once every 3 years
|Glasses||Children - $175 for single vision lenses and $175 for bifocals
Adults - $125 for single vision lenses and $125 for bifocals
|Laser Eye Surgery||No.|
|Ambulance transportation||No, unless covered by the Emergency Health and Paramedicine Services or Medical Transportation Assistance Program (MTAP).|
|Birth Control (including IUD)||No.|
|Podiatrist and Foot Care||No|
|Allergist and Allergy Testing||Yes|
|Sleep Physician and CPAP Machines||Yes|
Extended health coverage provided by the NL MCP includes programs such as:
Here at Insurdinary, we have realized long ago that finding an affordable insurance company can be time-consuming and frustrating. We have built this platform to help Canadians and landed Canadian immigrants find the most viable solution for supplemental health insurance.