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.
We offer health plans that:
- Have no medical questions.
- Are guaranteed acceptance.
- Come with instant, online quotes.
Health and dental coverage starting from $57.10 per month!
Medical and Hospital Services
MCP covers the following health/dental expenses:
- Physician and hospital visits (accommodations and meals). Home visits MAY 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.
- Some medically necessary dental-surgical procedures when performed in a hospital by a dentist or 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.
- Advice from a doctor over the phone.
- 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).
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 (unless child has access to the School Rinse Program).
- Extractions and fillings that are routine.
- Sealant treatments.
Income Support Program
- Available to teens aged 13 - 17 years old whose family is receiving Income Support.
- Examinations every other year.
- Routine extractions and fillings.
- Doesn't cover: removal of impacted teeth; fluoride and cleanings; or sealants.
Low Income (Access) Program
- Available to teens aged 13 - 17 years old who are enrolled in the Access Plan of the Newfoundland and Labrador Prescription Drug Program (NLPDP).
- Same benefits and ineligible services as those receiving Income Support Program (see above).
Adult Dental Program
- Only available to adults enrolled in the Foundation Plan (part of Newfoundland and Labrador Prescription Drug Program.
- Covers routine services along with dentures
- No coverage for any preventative services (includes cleanings).
- Covers an examination and two x-rays every three years.
- Covers routine fillings every three years.
- Covers extractions along with standard dentures
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.
- Radiotherapy isotopes and services (if available).
There is also coverage for the following out-patient** services:
- Surgical and medical day procedures.
- Rehabilitative services such as physiotherapy, audiology, speech language and occupational therapies.
- Anti-rejection drugs for transplant patients.
- Various lab, X-ray and diagnostic procedures.
- AZT for patients with AIDS.
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, unless specifixcally covered via the Insured Outpatient Services.
- Private duty nursing.
- Services without specific medical indication i.e. x-rays for cosmetic procedures, etc.
- Preferred accommodations (semi-private and private hospital rooms).
- RCMP and Canadian Armed Forces members who are otherwise covered by some federal insurance program.
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 by the Newfoundland and Labrador Prescription Drug Plan (NLPDP) 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 aged 65 and up 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.
- The Select Needs Plan: 100% coverage for residents with disease-specific medications who suffer from cystic fibrosis or growth hormone deficiency.
- for full details go to the Newfoundland government's Medical Care Plan web site -
Protect yourself from costs not covered by MCP. Get free, instant health insurance quotes!
(please consider sharing this article)
* 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 February 2017