Better Business Bureau

Newfoundland & Labrador: Medical Care Plan Summary

Newfoundland and Labrador provide The Newfoundland and Labrador Medical Care Plan (MCP) for residents of the province.

Please use the following as a brief summary of MCP coverage and benefits.

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Medical and Hospital Services

MCP covers the following health/dental expenses:

  • Physician and hospital visits (accommodations and meals). Home visits MAY also be covered.
  • Surgical, diagnostic and therapeutic procedures (including anesthetic supplies and services).
  • Medically necessary pre-care and post-care.
  • Maternity care.
  • Radiology (X-ray) interpretive services.
  • Certain surgical/dental procedures that are deemed medically necessary and performed in a hospital by a dentist/oral surgeon.

For the full MCP Payment Schedule please click here.

The following costs are not covered by MCP:

  • Ambulance services: there is a standard $115 fee per ground ambulance trip and $130 fee for an air ambulance trip. Residents receiving Income Assistance MAY have this cost covered by the Department of Human Resources, Labour and Employment.
  • Prescription drugs and vaccines.
  • Medical examinations required by a third party.
  • Eye examinations as well as glasses and contact lenses.
  • Paramedical services e.g. acupuncture, chiropractor, optometrist, osteopath, naturopath, podiatrist and physiotherapist services.
  • Medical appliances (i.e. durable medical equipment such as wheelchairs and walkers).
  • Services that are not medically required such as cosmetic surgeries.
  • Reversal of a sterilization procedure.
  • Sex changes UNLESS recommended by the Clarke Institute of Psychiatry.
  • Routine dental services (e.g. cleanings, scalings, fillings, etc.) for residents 13 or older, UNLESS covered by one of the specialty dental programs (see below).

Dental Services

The only dental services that are covered for all residents regardless of age are surgical procedures that are deemed medically necessary. For these services to be covered they must be performed in a hospital by a dentist or an oral surgeon. Note that there are exceptions if you qualify for one of the specialty programs listed below.

Children's Dental Health Program

  • Coverage for children under the age of 13 years old.
  • Examination every 6 months.
  • Cleaning every 12 months.
  • Fluoride treatments every 12 months.
  • Some x-rays.
  • Extractions and fillings.
  • Sealant treatments.

There is also limited coverage for children aged 13 to 17 years old IF they are living with families that have low total incomes (family earnings less than $30,000 and not receiving income support). These limited services include:

  • Dental examinations every 2 years.
  • Some x-rays are covered.
  • Routine extractions and fillings.
  • Emergency exams if there is pain, infection or some trauma has occurred.

Adult Recipients Receiving Income Support

If you are an adult and receiving income support from the province then you are covered for emergency examinations resulting from either trauma, infection or pain.

Newfoundland Hospital Insurance Plan

The Newfoundland Hospital Insurance Plan offers the following in-patient* coverage:

  • Accommodations and meals at standard rates. Semi-private or private rooms only covered if medically necessary or if a standard room is not available.
  • Nursing services.
  • Diagnostic procedures, i.e. laboratory, x-rays, nuclear medicine, respiratory therapy.
  • Drugs, medical and surgical supplies.
  • Rehabilitative services, i.e. physiotherapy, audiology, speech therapy, occupational therapy.
  • Labour, delivery and operating room.

There is also coverage for the following out-patient** services:

  • Surgical and medical day care procedures.
  • Rehabilitative services such as physiotherapy, audiology, etc.
  • Anti-rejection drugs for transplant patients.
  • Various lab, X-ray and diagnostic procedures.
  • AZT for AIDS patients.

These services are not covered by the hospital plan:

  • Ambulance services except for inter-hospital transfer.
  • Procreative treatments and reversal of sterilization.
  • Drugs and appliances for use outside of hospital.
  • Private duty nursing.
  • Services without specific medical indication i.e. x-rays for cosmetic procedures, etc.

Prescription Drug Program

Generally speaking, prescription drugs are not covered unless they are administered in a hospital. However, financial assistance for drug coverage is provided under the Newfoundland and Labrador Prescription Drug Plan for residents of the province who are eligible for:

  • The Foundation Plan: 100% coverage for people who are in financial need.
  • The 65Plus Plan: for seniors who receive OAS (Old Age Security Benefits) and GIS (Guaranteed Income Supplement). Note that people who qualify for the 65Plus Plan also automatically qualify for the "Ostomy Subsidy Program" (for ostomy supplies).
  • The Access Plan: for individuals/families with low incomes.
  • The Assurance Plan: for individuals/families experiencing very high drug costs. Coverage is based on percentage of drug costs compared to net earnings.

- for full details go to the Newfoundland government's Medical Care Plan web site -

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* An in-patient is a patient who has been admitted to the hospital and stays at the hospital for an extended duration.

** An out-patient is a patient who is not admitted to the hospital and does not stay at the hospital overnight.

Last updated March 2016