Change Your MSP & PharmaCare Account Information
Changes to your family structure may require you to update your MSP account and Fair PharmaCare information.
- You can make a number of MSP account changes by using the information below.
- To change your Fair PharmaCare information, you will need to contact Health Insurance BC. Health insurance BC will then advise you of any changes needed in your Fair PharmaCare coverage. It is important to notify us of changes in your family structure that could affect income verification through the Canada Reveue Agency.
- Adding Dependents
- Removing Dependents
- Cancelling Coverage
- Coverage for Students over 19
- Change in Family Income
- Fair PharmaCare Monthly Deductible Payment Option
Medical Services Plan
If you are unsure who can be covered under your account, see Who is Eligible?
- For information on enrolling a newborn, see Baby Enrolment.
- If you pay premiums directly and you need to add a spouse or child (other than a newborn) to your account, see MSP Account Change.
- If you are covered under a group plan administered by your employer, union, or pension office and need to add a spouse or child (other than a newborn) to your account, see Group Change Request.
More information on Adding Dependents is available on the Ministry of Health website.
In the case of divorce, the former spouse is no longer eligible for coverage as a dependent and must apply for separate coverage.
Children are no longer eligible for coverage as dependents when they:
- Marry or live together in a marriage-like relationship,
- Are no longer supported by the account holder,
- Turn 19 years of age (exception: see Coverage for Students Over 19)
When a family member passes away, it is not usually necessary to notify MSP.
- If you pay premiums directly and need to cancel coverage for a family member covered under your account see MSP Account Change.
- If you are covered under a group plan administered by your employer, union, or pension, and need to cancel coverage for a family member covered under your account see Group Change Request.
More information on Removing Dependents is available on the Ministry of Health website.
If you will no longer be a resident of B.C., you must notify Health Insurance BC of the date of your departure and your new address; otherwise, premium billing may continue. If possible, use an Address Change Form. (Note: failure to pay premiums does not constitute notification to cancel your coverage.)
More information on Cancelling Coverage is available on the Ministry of Health website.
Students may still be covered as a dependent. As explained on our eligibility page, a child may still be considered a dependent if that child is single, between the ages 19 to 24, and attending school or university full-time. Also see Continued Enrolment in MSP for Ages 19-24.
Assistance with premium rates for coverage under the Medical Services Plan (MSP) is based on family size, income and allowable MSP deductions. There are no special premium rates for seniors or students.
If your health coverage is administered by your employer, union or pension plan, you will need to request information from your group plan administrator.
If you have been paying the full rate for your MSP coverage but your annual income decreases below a certain amount, you may qualify for either Regular Premium Assistance or Temporary Premium Assistance. See Financial Assistance for information on these programs.
Fair PharmaCare Income Review
If your family net income has decreased 10% or more since the year on which your Fair PharmaCare coverage is based*, you can complete the application for income review (pdf) form and apply for a lower deductible.
Before applying, please contact the Fair PharmaCare Administrative Review at the phone numbers provided on the back of the application form. Administrative Review staff will advise you of the specific supporting documents you should include with your application.
If your application is approved, your new deductible will be applied to the start of the year or the date that your MSP enrolment came into effect - whichever is later.
*Your Fair PharmaCare assistance is based on your family net income from two years ago. For instance, assistance for 2007 is based on your income for 2005, assistance for 2008 is based on your income for 2006.
If you have difficulty paying for your prescription costs early in the year because you have a deductible, you may be interested in the Monthly Deductible Payment Option. See Financial Assistance for more information.