Health Insurance - Financial Assistance


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B.C. Residents
Financial Assistance Medical Services Plan (MSP) Assistance with the payment of premiums is available to Canadian citizens or holders of permanent resident status (landed immigrants) who have held that status and been resident in Canada for the past 12 consecutive months. There are two assistance programs that offer subsidies to those in financial need: MSP Premium Assistance Regular premium assistance offers subsidies ranging from 20 to 100 per cent, based on an individual's net income (or a couple's combined net income) for the preceding tax year, less deductions for age, family size and disability. Apply for MSP Premium Assistance To apply for premium assistance, you need to complete and return an application form to MSP. Forms are available online - Application for Premium Assistance (PDF), through MSP's Forms-by-Fax service, at Government Agents/BC Access Centres or by contacting Health Insurance BC. Note: Families receiving full and partial premium assistance may be eligible for additional health care services through the Healthy Kids program of the Ministry of Employment and Income Assistance. More information on Premium Assistance is available on this website. Temporary Premium Assistance Temporary premium assistance offers a 100 per cent subsidy for a short term based on unexpected financial hardship. See the Ministry of Small Business and Revenue's web site, under Temporary Premium Assistance, for more information. Fair PharmaCare PharmaCare subsidizes eligible prescription drugs and designated medical supplies, protecting British Columbians from high drug costs. PharmaCare provides financial assistance to British Columbians under Fair PharmaCare and other specialty plans. You must be enrolled in MSP before you can apply for Fair PharmaCare. To apply for Fair PharmaCare, be sure you have the Personal Health Number or PHN, printed on your CareCard, for every member of your family. There are three ways to register for Fair PharmaCare: Register online Register by phone Register by mail by submitting a registration form (pdf) You can view an estimate of your Fair PharmaCare plan financial assistance by entering the information requested on this Fair PharmaCare Calculator. You will need your net income and your spouse's income, if applicable. If you or your spouse does not have a Personal Health Number (PHN), submit a registration form by mail. In the space for the PHN, write the reason why you or spouse does not have a PHN (for example, "Canadian Forces" or "RCMP"). Please Note: Registering by mail takes 6-8 weeks. Fair PharmaCare offers two programs to assistance you if you are having difficulty paying your prescription costs or have experienced a change in your financial situation: Fair PharmaCare - Monthly Deductible Payment Option 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. This payment option helps individuals and families who: have a Fair PharmaCare deductible greater than $0 expect their drug costs to exceed their deductible before the end of the year do not have private health insurance that provides a drug benefit plan If you choose to enrol in the payment option, you will pay your deductible in equal monthly installments and receive PharmaCare assistance with eligible prescription costs right away. You can enrol for the current calendar year any time before September 30th. After October 1, you can enrol for the next year. Additional information on the Monthly Deductible Payment Option is available in English (HTML), French (PDF), Chinese (PDF) and Punjabi (PDF). 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 form (PDF) and apply for a lower deductible.