Best Ways To Get Affordable Health Insurance In New Brunswick 

Best Ways To Get Affordable Health Insurance In New Brunswick

Among many other things, Canada is famed for its free health care plan to ensure the health of its citizens across the provinces.

However, this healthcare plan varies from province to province and covers only citizens, permanent residents, and those who meet the criteria.

Temporary residents have a number of choices;

  • They can purchase private insurance from an insurance company.
  • If they are working, they may receive health insurance from their employer.
  • If they are students, they may register for insurance through their school.

In an event of an emergency, provinces and territories will provide free services, even if the patient does not possess a government health card.

However, there may be restrictions on the services that can be provided depending on a person’s immigration status.

The New Brunswick Medicare also provides basic medical coverage in her province.

For International Students 

International students that meet the eligibility criteria can receive New Brunswick Medicare coverage. To be qualified, a student must be enrolled in full-time studies at a New Brunswick educational institution period for at least a period of one full academic year.

New Brunswick Medicare provides only basic medical coverage, so international students are advised to explore extended health coverage maybe through their educational institution or another private insurance provider.

For Newcomers In New Brunswick 

Applying for health care might be a straightforward process, but, a 3-month waiting period prevents newcomers from accessing covered medical services immediately following their arrival in the province.

Instead of going without coverage, it is encouraged to obtain private health insurance to cover you during this period.

Also, most hospital services like nursing, drugs administered while in hospital, radiotherapy, and anesthesia, are covered under Medicare I.e the provincial health insurance plan that offers basic universal health coverage.

However, New Brunswick does not cover:

  • Elective surgeries
  • Ambulance services
  • Circumcision of newborns
  • Annual check-ups
  • Drugs and medicines
  • Dentures and some other services,

A good number of newcomers to New Brunswick purchase private health insurance to cover their prescription needs and surgeries if the need arises or they rely on their employers’ coverage to access other health care services not accessible through Medicare.

Newcomers who are interested in making New Brunswick their primary residence and that reside in the province lawfully are eligible to receive health care under New Brunswick Medicare.

Alongside the application form, you will need to show proof of Canadian citizenship or a copy of all immigration records including the entry stamp in your passport. 

Proof of identity, and proof of residence would also be needed 

When mailing in your application, all your documents should be photocopied as the Service New Brunswick offices cannot guarantee the return of your original documents.

Applying For New Brunswick Health Card As A Newcomer

After being aware of the prerequisites necessary to obtain a New Brunswick health card, the application process is straightforward and easy.

It is either you apply in person at a Service New Brunswick office or mail in your completed application package.

Usually, a Medicare application takes above 10 weeks to review. After your application has been processed, a letter will be sent to you indicating the official start date of your Medicare coverage, followed by your physical Medicare card.

In Summary, the  New Brunswick Provincial health insurance plan in line with the Canada Health Act ensures your health by offering you basic medical services.

However, it does not cover all other health services you might be needing. Below are some lists of what it covers and what it does not. 

Residents may be temporarily absent from New Brunswick for up to 212 days in a 12 month period and it wouldn’t be affecting Medicare coverage.

Dental  

What Is Covered: 

New Brunswick’s provincial healthcare plan covers some specified surgical dental procedures provided by a dentist when the service is medically required and rendered in an approved hospital.

Also, note that extractions and dental work are not insured services even though it is performed in a hospital. However, anesthesia for dental procedures may be covered in certain circumstances.


What Is NOT Covered: 
There’s no coverage for routine dental care, dental services, and dentures provided by a physician under New Brunswick Medicare.

Drugs

What Is Covered: 

Enrolling in the Governments drug plan is voluntary. Premiums are based on income. $2,000 per adult ($166.67 per month) is the maximum annual premium.

Children between the ages of 18 and younger do not pay premiums but a parent must be enrolled in the plan. All plan members must pay a 30% co-pay, up to $30 per prescription.


What Is Not Covered

The provincial healthcare insurance does not cover drugs and medicines outside of a hospital or without a Drug Plan.

Vision

What is covered: 

The vision program for New Brunswick dental and boon children of low-income families is Healthy Smile, Clear Vision.

The vision program covers basic items such as yearly exams, frames, and lenses (maximum of $220 every 2 years) for children between the ages of 18 and younger.


What is NOT covered: 

Health insurance does not cover eyeglasses, contact lenses, or frames, as well as refractions for prescription eyeglasses.

Paramedical

What Is Covered

Physiotherapy, occupational therapy, audiology, and speech therapy when performed in a hospital is included in the plan.

What is NOT covered: 

Medicare does not cover acupuncture and services provided by chiropractors, chiropodists, dentists (except as stated earlier ), massage therapists, osteopaths, pharmacists, physiotherapists, naturopaths, opticians, optometrists, orthodontists, podiatrists, and psychologists.

Hospital Room

What Is Covered: 

The health card allows you to access the following hospital services: necessary nursing services; drugs administered while in the hospital; operating room, delivery room standard hospital accommodation and

meals; drugs administered while in the hospital; operating room, delivery room, and anesthetic facilities; laboratory, X-ray, and other diagnostic services as deemed necessary; therapies such as physiotherapy, occupational therapy, speech therapy, and audiology; radiotherapy; and routine surgical supplies.

What Is Not Covered

New Brunswick Medicare does not cover the difference in rate between standard hospital accommodations and a semi-private or private room.

Private Duty Nursing And Medical Equipment

What Is Covered: 

It offers coverage for medical supplies and prosthetics for eligible residents through Social Development Health Services programs.

Residents between the ages of 65 and above can borrow, without charge, rehabilitative equipment from the Canadian Red Cross Society.

Supports are made available for children under the age of 19 with diabetes from low-income families to obtain affordable and equal access to insulin pumps and supplies. 

What Is not Covered:

 New Brunswick Medicare does not cover private duty nurses, artificial limbs, and such returnable items as walkers, special crutches, braces, and prosthetic devices.

HEARING AIDS


What Is Covered:  

New Brunswick healthcare insurance provides coverage for residents eligible under the Health Services Hearing Aid Program.


What Is Not Covered: 

No coverage for Hearing Aids for residents that are not eligible for Health Services Hearing Aid Program.

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