Health Insurance In Northwest Territories

Best Ways To Get Affordable Health Insurance In Northwest Territories

The Northwest Territories is the second largest of the three provinces in Canada. The province ensures the health of its citizens by providing good and quality health insurance for its citizens.

The Canada health act ensures that all its citizens have access to health care services whenever they need them and not based on their ability to pay.

The Northwest Territories (NWT) health plan covers basic medical and hospital treatment meaning that you would not have to pay whenever you visit the hospital for treatment.

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Access To Health Care Services

The department of Health and Social Services takes responsibility for the health and well-being of the people of the Northwest Territories.

They offer physician services and hospital services that include:

• counseling services and care for those who need support for social or health issues;

  • treatment of those who are sick and people with physical problems, mental problems, and emotional health problems
  • protecting people from abuse and diseases and
  • promoting healthy lifestyle 

However, the NWT health care coverage plan does not include the following;

• Procedures such as cosmetics surgery

• Experimental services

• Services of paramedics 

• Dental services excluding cases relating to jaw disease and injury 

•Optometric Services 

•Prescription drugs

Through your employer, you may be qualified for extended health benefits.

There are private insurance companies that offer coverage for extended health benefit services if you are not for eligible extended health benefits through your employer, or you do not get coverage during the 3 month waiting period for NWT health care.

Who Can Apply For The NWT Health Coverage?

Those who can apply are;

  • Residents of the Northwest Territories

Note; Residents are eligible as long as they are lawfully entitled to be Canadian and are ordinarily present in the NWT meaning you must be physically present in NWT for at least 153 days in a calendar year.

  • Military Families on entry into the NWT

Note: The 90-day wait period for military families to receive their NWT health care card has been waived so that they are able to access NWT health care coverage on entry.

 Requirements For Access To The NWT Health Care Coverage 

Must have lawful right to be in Canada

For Citizens;

• A copy of birth certificate from a Canadian province 

• Valid Canadian passport or Citizenship certificate 

For Landed Immigrants or Permanent Residents;

• A copy of your permanent resident card

For Foreign Nationals;

• A copy of your study permit

• A copy of your work permit or any other document issued by Immigration Canada.

Note: The name on the supporting document must be the same as the name on the application.

Also, If you have moved to the NWT and intend to live there for more than a year but cannot get two documents from the lists, contact the Health Services Administration Office.

How Do You Apply For NWT Health Care Coverage?

Fill and submit the NWT Application for Health Care form:

  • online, using eServices(link is external);
  • email to healthcarecard@gov.nt.ca(link sends e-mail); or
  • mail to:

    Health Services Administration Office
    Health and Social Services
    Bag #9
    Inuvik, NT X0E 0T0

Every NWT resident enrolled with the NWT Health Care Plan is given a Health Care Card with a personal health number.

This number doesn’t change, regardless of any changes to personal status.

To access health care benefits, keep your health card with you, otherwise, your physician or other health care provider must verify that you are enrolled with the NWT Health Care Plan. It is advisable for all residents to have a health care card.

To ensure that your coverage is maintained, notify Health Services Administration when;

  • your card gets lost
  • your name/address changes;
  • you relocate out of the NWT or
  • you are outside of the NWT for more than three months due to studies, medical reasons, or work.

Summary Of Benefits The NWT Health Care Coverage Plan Provides

Physician Services 

The following physician services are insured by NWT Health Plan;

  • Diagnosis and treatment of illness and injury as well as anesthetics when needed.
  • Surgery when necessary medically,
  • Obstetrical care (which includes pre-natal and post-natal care).
  • Eye examinations, treatment, and procedures are provided by an ophthalmologist.
  • Some dental services if related to disease or jaw injury.

The following physician services below are not insured;

  • Examinations requested by third parties 
  • Cosmetic procedures.
  • Experimental procedures.
  • Optometrists.
  • Prescription drugs.
  • Dental services such as cleanings, exams, extractions, fillings, etc.
  • Paramedical services involve chiropractors, massage therapists, naturopaths, podiatrists, acupuncturists, and osteopaths.
  • All psychology, physiotherapist, or speech 
  • therapy services are done outside of a hospital.

 Hospital Services 

The following services provided by a hospital in the Northwest Territories are covered ;

  • Meals and accommodation(standard ward only).
  • Nursing services in the hospital.
  • Diagnostic services, like x-rays, laboratory work, and interpretive services.
  • Prescription drugs are administered in a hospital and are prescribed by a doctor.
  • Radiotherapy treatment, occupational therapy, and physiotherapy provided by the hospital 
  • Detoxification services are provided in an approved healthcare facility.
  • Use of operating room, anesthetics,  medical equipment, and other utilities in the hospital.

Hospital services that are not covered include:

  • Private and semi-private rooms (standard ward coverage is applied).
  • Ambulance charges with the exception of inter-hospital transfers.
  • All kinds of cosmetic surgeries and associated charges.
  • Dental services unless related to jaw injury and/or disease.
  • Experimental services.
  • Alcohol and drug rehabilitation unless prior approval is granted.

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