Best Health Insurance in BC for 2025
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Please use the filters below to select your province of residence, your age, your coverage status under the Provincial Health Insurance Plan, and your preferred level of care.
- A perfect option for people using more costly prescription drugs
- Access to TELUS Health Virtual Care
- Travel emergency health coverage included
- A perfect option for people using more costly prescription drugs
- Access to TELUS Health Virtual Care
- Travel emergency health coverage included
The Manulife Flexcare® ComboPlusᵀᴹ Enhanced Plan is designed for those who want top-tier health insurance coverage with the flexibility to add benefits tailored to their unique needs.
This Manulife health insurance plan provides 90% reimbursement on the first $2,222 spent and 100% on the next $8,000, offering up to $10,000 annually. This generous limit ensures you’re covered for routine medications and more costly prescriptions.
Dental care is another strong point. The plan reimburses 100% of the first $500 spent and 60% of the next $700 per year, ensuring that your routine dental needs, including exams, cleanings, and fillings, are taken care of. It also includes advanced dental procedures such as crowns, bridges, and orthodontics, starting in the second year of coverage at 60% reimbursement. These benefits grow over time, demonstrating the plan’s long-term value.
For vision care, you’ll receive $250 every two years, covering optometrist fees, prescription lenses, frames, and even laser eye surgery. The plan shines in extended health care with a $250,000 lifetime maximum for services such as physiotherapy, chiropractic care, and hearing aids. And if travel is a regular part of your life, the plan includes $5 million in emergency health coverage for trips of up to nine days, with optional extensions available.
The plan provides accidental death and dismemberment (AD&D) insurance, offering up to $25,000. It also includes a survivor benefit, ensuring continued coverage for one year without premiums after the death of an insured adult.
Ideal profile: This plan is ideal for individuals and families looking for extensive health and dental benefits with the flexibility to add customized options. It’s particularly suited for those who value robust drug coverage, progressive dental care benefits, and comprehensive extended health and travel insurance. If you want a plan that grows with your needs and supports you during life’s unexpected events, this is an excellent choice.
- Exceptional drug coverage with a high annual maximum of $10,000.
- Progressive dental benefits that include orthodontics and major procedures.
- Extensive lifetime coverage for extended health services, including virtual care.
- Generous travel insurance with $5 million in emergency health coverage.
- Survivor benefit ensuring stability for your loved ones.
- Some exclusions, such as smoking cessation and over-the-counter drugs.
- Dental benefits for advanced procedures like orthodontics are only available from year two.
- Travel insurance coverage is limited to nine days without add-ons.
- A perfect option for people group benefits in the last 60 days
- Great plan for vision and dental options
- Access to MySunLife Mobile App to manage your Health Coverage Choice plan online
- A perfect option for people group benefits in the last 60 days
- Great plan for vision and dental options
- Access to MySunLife Mobile App to manage your Health Coverage Choice plan online
The Sun Life Health Choice B plan is tailored for individuals or families seeking a comprehensive health insurance option that extends beyond basic coverage. This Sun Life health insurance plan ensures robust support in key areas such as prescription drugs, dental care, hospitalization, vision care, and paramedical services, while also providing optional dental benefits. It is particularly suited for those who want a well-rounded health coverage option with flexibility for additional needs.
Prescription drug coverage under this plan reimburses 80% of eligible expenses, up to an annual maximum of $1,300. Vision care is covered at 100%, up to $200 every two calendar years, which includes exams and corrective lenses. Extended health provisions include paramedical services, such as chiropractors and physiotherapists, with a combined annual maximum of $500 for all practitioners. The plan also offers dental benefits covering preventive and restorative care, reimbursing up to $700 annually.
Emergency travel medical insurance is a significant highlight of this plan, providing up to $1,000,000 lifetime coverage for emergencies during trips lasting up to 60 days. Hospital stays in semi-private rooms are supported with 85% reimbursement, capped at $5,000 annually. This comprehensive mix of benefits ensures that you are well-protected against unexpected health expenses.
Ideal Profile: The Health Choice B plan is ideal for individuals or families with moderate to high healthcare needs who value extensive coverage. It suits those seeking dependable insurance for major medical expenses, including dental and vision care, while ensuring robust travel medical coverage for peace of mind during trips.
- Extensive prescription drug coverage with a high annual maximum
- Comprehensive dental benefits for preventive and restorative care
- Generous emergency travel medical insurance
- Semi-private hospitalization support
- Excludes orthodontics and major procedures like implants
- Annual caps on some benefits may not be sufficient for extensive ongoing care
- Limited flexibility for those requiring specialized high-cost treatments
- Easy application and claim process
- Special rates for single parents and families
- Several wellness benefits
- Easy application and claim process
- Special rates for single parents and families
- Several wellness benefits
The Health Plus Priority Plan is tailored for individuals, families, and small business owners who want to balance comprehensive coverage with affordability.
One of the standout features of this Health Plus health insurance plan is its 70% reimbursement for prescription drugs, including an $8 dispensing fee, with an impressive annual limit of $30,000. For those seeking paramedical services such as physiotherapy, chiropractic care, or massage therapy, this plan ensures up to $600 per practitioner annually. Even better, the first $250 can be claimed directly without extra steps, making it hassle-free for regular visits.
Mental health support is another highlight, with up to $600 annually for psychologist and social worker sessions after the first year, along with five free counselling sessions included through the Member Assistance Program.
Under dental care, preventative care like exams, cleanings, and fillings, is covered at 70%, while major restorative procedures, such as crowns and dentures, are reimbursed at 50% after a waiting period. For vision needs, the plan offers $300 every three years for exams and eyewear, and hearing aids are reimbursed up to $500 every three years. Additionally, the plan includes $1,000,000 per incident for emergency medical travel coverage for trips lasting up to 60 days, giving you peace of mind when exploring new destinations.
Ideal Profile: This plan is perfect for individuals, families, and small business owners who need dependable, all-encompassing health coverage. It’s especially ideal if you’re looking for enhanced mental health support, substantial travel medical coverage, and broad dental and paramedical benefits. If you want peace of mind for both routine and unexpected health needs, the Health Plus Priority Plan is an excellent choice.
- Generous prescription drug coverage with a high annual cap of $30,000.
- Strong support for mental health services, including free counselling.
- Extensive travel emergency medical coverage for trips up to 60 days.
- Dental benefits that cover preventative care and major restorative work.
- Requires pre-approval for claims exceeding $250 for paramedical and mental health services.
- Major restorative dental coverage has a waiting period before full benefits apply.
- Orthodontics and fertility treatments are not included.
- Designed to provide drug coverage for unexpected illnesses
- Get instant access to your benefits with the GreenShield pay-direct benefit card
- No waiting period
- Designed to provide drug coverage for unexpected illnesses
- Get instant access to your benefits with the GreenShield pay-direct benefit card
- No waiting period
The GreenShield ZONE 7 Ultimate plan is a premium-tier health insurance plan offering exceptional coverage for prescription drugs, dental care, vision, and extended health services. Designed for individuals and families who need comprehensive protection, this plan ensures financial security for routine and unexpected healthcare needs.
With 90% drug coverage up to $20,000 annually, this plan is ideal for those with high medication costs or ongoing health conditions. Dental benefits start at $1,000 in Year 1 and increase to $1,500 by Year 3, covering 80% for routine care and 50% for major procedures, including orthodontics. Vision care includes $350 every two years for eyewear and $120 for routine eye exams, offering one of the most generous vision benefits among GreenShield plans.
Extended health services are comprehensive, with $750 per practitioner per year for physiotherapy, chiropractic care, massage therapy, naturopathy, and other specialists. Mental health services receive $750 annually, ensuring access to psychologists and therapists.
For travellers, the plan includes $5 million in emergency medical coverage per trip for up to 30 days, making it an ideal option for frequent travellers. Additional perks include ambulance coverage, $15,000 in accidental dental benefits, and hearing aid coverage of $600 every four years.
Ideal Profile: The ZONE 7 Ultimate plan is best suited for individuals and families who want comprehensive healthcare coverage, including high prescription drug benefits, major dental work, and extended paramedical services.
- 90% prescription drug coverage up to $20,000 per year.
- $5 million in emergency travel medical coverage per trip (up to 30 days), regardless of age.
- Lifetime coverage as long as premiums are paid, regardless of age or health changes.
- Convenient claims submission through providers or online, with direct deposit for faster payments.
- Access GreenShield+ online services and app for managing benefits anytime, anywhere.
- 24/7 telemedicine access to Canadian-licensed healthcare professionals year-round.
- Higher premiums due to comprehensive coverage.
- Major dental and orthodontic services have a waiting period of three years.
- Designed to provide drug coverage for unexpected illnesses
- Get instant access to your benefits with the GreenShield pay-direct benefit card
- No waiting period
- Designed to provide drug coverage for unexpected illnesses
- Get instant access to your benefits with the GreenShield pay-direct benefit card
- No waiting period
The GreenShield ZONE 6 Premier plan is a high-tier health insurance plan designed for individuals who need strong coverage for prescription drugs, dental care, vision, and extended health benefits. It provides robust protection for those with ongoing healthcare needs.
With 90% drug coverage up to $10,000 annually, this plan is ideal for those who require frequent or high-cost medications. Dental benefits start at $900 in Year 1 and grow to $1,500 by Year 3, covering 80% of routine services and 50% of major procedures. Orthodontic coverage is included at 50% with a $1,500 lifetime maximum, making this a good choice for families.
Extended health benefits include $700 per practitioner per year for physiotherapy, chiropractic, massage therapy, and more. Mental health services receive $750 annually, and vision benefits cover $300 every two years for eyewear and $90 for eye exams.
For travellers, the plan offers $5 million in emergency medical coverage per trip for up to 30 days, regardless of age. Other perks include $12,000 in accidental dental coverage, unlimited ambulance services, and hearing aid coverage of $600 every four years.
Like all GreenShield personal health insurance plans, the ZONE 6 Premier plan includes access to the GreenShield Pharmacy with free prescription delivery. You also get access to GreenShield+ app that allows you to submit claims online, track benefits, and print ID cards anytime.
Ideal profile: The ZONE 6 Premier plan is best for those who need high-level drug, dental, and extended health coverage, including major dental and orthodontics. If you’re looking for comprehensive full-spectrum healthcare protection, this is an excellent choice.
- 90% prescription drug coverage up to $10,000 annually.
- Strong dental benefits, reaching $1,500 annually by Year 3.
- Lifetime coverage as long as premiums are paid, regardless of age or health changes.
- Convenient claims submission through providers or online, with direct deposit for faster payments.
- 24/7 telemedicine access to Canadian-licensed healthcare professionals year-round.
- Higher premiums due to comprehensive benefits
Did you know that BC's Medical Services Plan (MSP) doesn't cover over 30% of your healthcare costs? It also does not guarantee access to full dental care, vision care, or prescription medications. That's why you need good private health insurance in BC.
The costs of these services can be quite unaffordable and that's why having supplemental private health insurance in BC is extremely important. Private health insurance in BC helps you cover essential yet expensive services that are not covered or offered very limited protection by MSP.
In this guide, we take you through the best private health insurance in BC, the coverage, pros, cons, and prices. We also tell you how to get the MSP card. Use our free tool at the top of this page to compare quotes and find the cheapest private health insurance in BC.
8 Best Health Insurance in BC
- Sun Life health insurance: Hassle-free policy access
- Manulife health insurance: The most comprehensive options
- Blue Cross BC (or Pacific Blue Cross): The most flexible choice
- GreenShield personal health insurance: Plans for every budget
- GMS health insurance: Comprehensive coverage
- Desjardins health insurance review: Wide coverage
- CAA health insurance: The best bundling discounts
- Canada Life health insurance: Best guaranteed policies
Top 2025 best BC Health insurance plans
Sun Life health insurance: Hassle-free policy access
Sun Life offers three health plans, all with differing levels of coverage which allows you to find a plan that is tailored to your specific needs. It has a comprehensive online portal and an app that allows you hands-on access to your claims and benefits information even while on the go.
The Sun Life personal health insurance BC policies are a sensible choice if you do not have benefits through your employer, you are losing your group coverage, or if you would like additional benefits not offered by your employer’s or province’s healthcare like OHIP in Ontario, AHCIP in Alberta, MSP in British Columbia.
Note that you must have provincial or territorial medical and drug coverage to apply for personal health and dental insurance BC plans.
Pros
- Submit the claim online or via the app
- Quick and easy online quote
- Option of having a semi-private hospital room with all plans
- Reimbursement for paramedical services
Cons
- Emergency travel medical, and vision are not included in the Basic plan
- Each family member must have the same plan
If you would like to explore further and get a Sun Life Health Insurance BC quote that is personalized to meet your unique needs, you can do so below and get results in a few moments.
For example
The premiums of BC health insurance plans are based on factors such as age, gender, optional extras, plan type, smoker status, lifestyle, and even province. A Basic Sun Life private healthcare policy for a 30-year-old BC resident is $57.53 per month. A standard Sun Life health insurance in BC policy is $73.41. Meanwhile, a comprehensive Sun Life policy is $143.50 with good dental care.
Manulife Health Insurance: The most comprehensive options
Manulife offers many comprehensive private healthcare plans - whether you are looking for dental benefits, drug benefits, or a combination, you will be able to find a personal health insurance BC plan that works for your unique medical needs.
There is a comprehensive online portal offered by Manulife health insurance for easy access to policy information and to submit a claim online. All personal health and dental insurance BC plans from Manulife have the option to add Manulife Vitality helping you earn rewards and save on costs.
Manulife health insurance is a choice for you if you do not have health benefits through your employer, you are losing group coverage, or if you would like additional benefits not offered by your employer’s or province’s coverage.
Pros of Manulife BC health insurance
- Manulife Vitality rewards program
- Submit claims online or via the app
- Option to choose dental-only, medication-only, or a combination plan
- Option of having private or semi-private hospital room with all plans
Cons of Manulife BC health insurance
- Some Manulife health insurance reviews note that hospital benefits are not automatically included
- Basic travel plan only covers the first 9 days of a trip
- No specific Manulife health insurance for retirees
If you would like to explore further and get a Manulife health and dental insurance BC quote to meet your unique needs, you can do so below and get results in a few moments.
For example
The BC health insurance premiums are based on factors like age, gender, optional extras, plan type, smoker status, and lifestyle. A Manulife ComboPlus™ starter plan for a 30-year-old BC female resident is $82.20 per month and $96.90 for a ComboPlus™ Basic plan. Meanwhile, the monthly premium for a ComboPlus™ Enhanced Plan is $145.60.
Pacific Blue Cross health insurance: The most flexible choice
Blue Cross Canada is a federation of non-profit insurance providers operating since 1938. Pacific Blue Cross or Blue Cross BC, provides health and dental coverage to over 1.4 million people in the province.
Blue Cross Health Insurance BC lets you have a primary policy, the Core Health Plan (80% coverage), with Essential and Enhanced Drug and Dental as add-ons. The Core Health Plan has three options Bronze, Silver, or Gold, with varying coverage.
The individual health insurance plans from Blue Cross BC also cover 100% of medical emergencies outside your province in Canada. This includes hospital expenses, doctor fees, ambulance services, and prescription medications. Look at the Pacific Blue Cross coverage list below for a full list.
Pacific Blue Cross also provides a standalone dental insurance plan.
Pros of Blue Cross BC
- Mix and match plans
- 10% off when you follow a healthy lifestyle*
- Easy online claims or via app
- BC Blue Cross processes reimbursement in 24 hours
- Standalone dental plan
Cons of Blue Cross BC
- Preventive dental only available with add-on
- Major dental restorative services needs Enhanced add-on
You can find the Pacific Blue Cross coverage list right here.
If you would like to explore further and get a Blue Cross Health Insurance BC quote personalized to meet your needs, you can do it right here.
For example
The premiums of private health insurance BC plans are based on age, gender, extras, plan type, smoker status, and lifestyle. A Bronze Pacific Blue Cross plan for a 30-year-old resident is $47/month without a drug/dental add-on. For comprehensive coverage, with extensive dental protection, the premium for a Blue Cross BC Gold plan would be $153/month. You can refer the Pacific Blue Cross coverage list shared above for detailed coverage information on all plans.
GreenShield personal health insurance: Plans for every budget
GreenShield provides a wide range of health insurance plans tailored to meet diverse needs, with ZONE and LINK plans forming the core of its offerings. ZONE plans offer different benefit combinations and levels of coverage, at a range of premiums, making them suitable for individuals and families without access to group benefits. Lower-tier ZONE plans provide guaranteed acceptance for easy accessibility. LINK plans are designed for those losing group benefits due to job changes or retirement, ensuring guaranteed acceptance and coverage for pre-existing medical conditions. (Applications for LINK plans must be received within 90 days of the group benefit end date.)
GreenShield is known for its comprehensive reimbursement levels. Prescription drugs in higher-tier ZONE plans are reimbursed up to 90%, while dental care—covering basic and preventive services—is reimbursed at 70-90%, depending on the plan. Generous coverage limits extend to vision care, professional services, and extended health benefits, ensuring well-rounded support. GreenShield personal health plans also provide emergency medical travel insurance of up to $5 million to make sure you’re protected outside your province too.
With the GreenShield+ platform, customers enjoy streamlined claims submission, direct deposit reimbursements, and real-time benefit tracking. Every plan also includes access to telemedicine, mental health services, and GreenShield digital pharmacy with free prescription delivery. All this makes GreenShield a truly comprehensive solution.
GreenShield personal health insurance is ideal for self-employed individuals, retirees, and small business owners and people working on contract who seek flexible and independent coverage. Its robust offerings and convenient services make it a top choice in the Canadian insurance landscape.
Pros of GreenShield personal health insurance
- Wide range of plans to choose from
- Comprehensive reimbursement: up to 90% for prescription drugs and 70–90% for dental care
- Easy online application and claims management with GreenShield+
- Extensive coverage for vision, professional services, and healthcare benefits
- Guaranteed acceptance for many plans, with no medical exams
- Benefits continue regardless of age or health changes, as long as premiums are paid
- Multi-trip emergency medical travel coverage included in all plans
- Access to digital pharmacy with free prescription delivery, metal health support, and telemedicine services
Cons of GreenShield personal health insurance
- Orthodontics and major dental services are available only after Year 3
- No stand-alone dental insurance plans
Good to know
GreenShield personal health insurance costs are based on factors such as age, plan type, province of residence, and number of people on the plan (single, couple or family).
GMS health insurance: Comprehensive coverage
GMS offers plans ranging from basic coverage to comprehensive health coverage, all of which have the option to add dental benefits and/or drug benefits. With GMS, you will be able to tailor a plan to fit your health needs.
They have a comprehensive online portal, My GMS, which allows for easy access to your benefit information and the ability to submit a claim online. Their travel plans for certain plans automatically add COVID-19 treatment coverage.
GMS health insurance Canada is a choice for you if you do not have health benefits through your employer, starting your own business, or would like additional benefits not offered by your employer’s or province’s health and drug coverage.
Pros of GMS health insurance BC plans
- My GMS portal access
- Submit a claim online or via the app
- Counselling and speech therapy are covered in some plans
Cons of GMS health insurance BC plans
- Some GMS health insurance reviews have criticized the limited dental plan
- Some GMS health insurance coverage reviews note that hospital benefits are not automatically included
- Vision and travel insurance not included in the basic plan
If you think GMS is the right fit for you or would like to give it a try, you can now get a quote from GMS health insurance and get a policy that suits your unique health needs and budget the best.
For example
The premiums of private health insurance BC plans are based on factors such as age, gender, optional extras, plan type, smoker status, and lifestyle. A basic GMS plan for a 30-year-old BC resident who is losing group benefits, and with dental care would cost as low as $68.25/month. Meanwhile, a premium plan would cost $187.25/month with comprehensive coverage.
Desjardins health insurance review: Wide coverage
Desjardins is a leading provider of insurance in Canada with an illustrious history. It offers private healthcare plans to bridge the gaps in provincial healthcare programs like the BC MSP or the AHCIP in Alberta.
You can bundle Desjardins health insurance plans with other policies like travel, life, and dental in order to save money. Compared to competitors, Desjardins premiums are slightly higher however they offer a wider range of coverages.
That said, in some ways, the company is behind some of its competitors as it does not offer the ability to sign up for a policy online.
Pros of Desjardins health & medical insurance BC
- Dental, medical, vision and travel insurance are included in the standard plan
- Online health platform and 24/7 telephone assistance
- High maximum coverage limits
- Enhanced hospital care
Cons of Desjardins health & medical insurance BC
- A policy can only be issued on the 1st or 15th of the month
- Lack of comprehensive online services
- Plans not available after 70 years old
For example
The premiums of private health insurance BC plans are based on factors such as age, gender, optional extras, plan type, smoker status, and lifestyle. Young non-smokers should expect to pay around $100 - $150 for their monthly private health insurance. Desjardins does not offer health insurance quotes BC region online so the only way to find out how much they would charge you is to speak with one of their representatives.
CAA health insurance: The best bundling discounts
The CAA, or the Canadian Automobile Association, was founded more than 115 years ago. It is one of the largest not-for-profit automobile associations in Canada. It also offers CAA insurance packages, including private health insurance.
CAA has partnered with Manulife health insurance for over 20 years, allowing them to offer pre-packaged plans mix and match plans tailored to your specific health needs. They have a 30-day guarantee where if you are not satisfied with the coverage, you may request a refund within 30 days of receiving your policy.
This provider is a choice for you if you do not have medical insurance BC benefits through your employer, you are losing your group coverage, or you would like to mix and match prescription and dental coverage. Note that you must have provincial or territorial health and drug coverage to apply for personal health insurance.
Pros
- Ability to mix and match plans
- Discounts are available when you bundle health and dental
- 30-day refund policy
- Partnership with Manulife
Cons
- No online claims submission
- Some CAA health insurance reviews have cited long wait times for dental treatment
For example
The premiums for individual health insurance plans are based on factors such as age, gender, optional extras, plan type, smoker status, and lifestyle. The monthly premium for a CAA Basic extended health insurance plan for a 30-year-old female resident with optional dental care would be $71.60. For an enhanced extended health insurance BC plan with comprehensive drug and dental coverage, the premium is around $176.55/month.
Canada Life health insurance: Best guaranteed policies
Founded in 1847, Canada Life is the country's first home-grown insurer and today has more than 12 million clients. Canada Life offers a variety of levels of health insurance, all with differing levels of coverage which are designed to suit your needs, including prescription drugs, dental care, vision care, and more.
They have comprehensive optional add-ons for you to further personalize your health plan. They also offer a ten-day look-and-see period. You can cancel your policy with no penalty during the first ten days.
Canada Life health insurance is a choice for you if you do not have medical benefits through your employer, you are losing your group coverage, or if you would like additional benefits not offered by your employer’s or province’s medical and drug coverage like the Ontario Health Insurance Plan or the MSP (BC provincial health insurance).
Pros
- Multiple plans that offer guaranteed acceptance
- Quick and easy online quote and application
- Comprehensive optional coverage add-ons
Cons
- Travel medical insurance is not automatically included in their health insurance plans BC (it is an optional add-on)
- Some Canada Life health insurance reviews have noted long callback times
For example
The premiums of private extended health insurance BC plans as in the rest of Canada, are based on factors such as age, gender, optional extras, plan type, smoker status, and lifestyle. The monthly premium for an individual health insurance plan for a 30-year-old female resident with routine dental coverage in BC is $79. Comprehensive individual health insurance plans (Elite) with dental and drug cover would be just $181 per month.
Use our free tool at the top of this page to compare quotes from the best health insurance companies in Canada. The tool is free and gives you instant results.
How does health insurance BC work?
British Columbia has a publicly administered and funded healthcare system that allows its residents to receive access to medically necessary hospital and healthcare services. Its plan is called the Medical Services Plan, which is commonly abbreviated as MSP. It covers health care costs such as medically necessary physician’s visits, maternity leave, and diagnostic services like lab work and x-rays.
However, MSP does not cover routine and preventative dental care, vision care, and prescription medications. To have coverage and avoid what can be substantial out-of-pocket costs, we recommend purchasing the best extended health insurance BC plan using our free comparator.
How do I get private health insurance in BC?
For full comprehensive healthcare and medical coverage beyond what is covered by MSP, you will need to purchase extended health insurance BC plans from health insurance companies in BC.
The public health insurance provided through MSP will cover the basics and many emergencies, but it is important to consider services not covered through MSP. Have a plan to pay for them. A comprehensive private health insurance plan will offer peace of mind. It will cover you for many unforeseen medical needs.
Ready to start shopping for extended health insurance BC plans? Find the right one for you and your family using our free and anonymous health insurance comparison tool for personalized quotes from health insurance companies in BC in just seconds. All you need to do is enter basic details of what you're looking for and voila you get tailor-made quotes from the best extended health insurance BC providers.
Compare The Best Health Insurance Plans and Rates on the market!
What is the MSP coverage?
Under the public healthcare system, MSP provides coverage for a variety of medical services, including visits to doctors and specialists, diagnostic tests, hospital stays, surgeries, and medically necessary procedures:
| What does MSP cover? | What does MSP not cover? |
|---|---|
| Medically required services provided by an MSP-enrolled physician | Routine and extensive dental services |
| Maternity care | Routine eye examinations for adults aged 19 to 64 |
| Medically necessary eye examinations for adults aged 19-64 | Eyeglasses, Hearing aids |
| Annual eye examinations for children aged 0-18 and seniors aged 65+ | Prescription drugs, Cosmetic services |
| Diagnostic services, including services such as X-rays | Alternative medicine treatments (acupuncture, chiropractic, massage therapy, naturopathy) |
| Birth Control | Preventive services and screening tests not supported by evidence of medical effectiveness |
| Dental and oral surgery, when medically required to be performed in a hospital (excluding restorative services) | Counsellors or psychologists |
Is pet health insurance covered in BC?
Public healthcare plans, including the MSP in BC, do not cover pet health insurance or any other form of coverage for pets. MSP and similar government-funded healthcare programs are designed to provide coverage for medical services and treatments for human individuals. Pet health insurance BC is a separate type of coverage that you can purchase to cover veterinary expenses for your pets like dog health insurance BC plans specifically tailored for your furry companions.
Does the Medical Services Plan cover vision?
Unfortunately, BC’s MSP plan does not cover most routine optical care for adults. This means you will need private health and dental insurance BC to pay for eye exams, glasses, and contact lenses. MSP does, however, cover medically-required vision care including some medications, systemic diseases, and ocular injury and disease.
Children and seniors over 65 are eligible for an annual eye examination. If you are an adult who receives income or disability assistance can access some vision care. This includes $48.90 for routine eye exams every second year and up to $68.26 for glasses frames, along with lenses and repairs.
How much are eye exams in BC?
Estimate a range of $75 to $200+ for a typical routine eye exam in British Columbia. There is no standard price for eye examinations, and prices vary dramatically between providers and by location. If you are eligible for Optical Supplements as an adult benefiting from income assistance, MSP will cover eye exams by optometrists at $44.83, and those from ophthalmologists at $48.90. Be sure to check with your provider before service and to bring your Care Card.
Does the Medical Services Plan cover dental?
Unfortunately, British Columbia’s Medical Service plan does not cover routine dental care. Keep in mind that there might be information regarding new changes or updates, so it's best to regularly visit the official website for the most up-to-date information and any associated online accounts or services. You can call the health insurance bc contact for information.
Diagnostic services ordered by a medical professional are covered, as well as most dental and oral surgery performed in a hospital. Note that dental care for people who receive income or disability assistance may be available.
Covered services include routine dental care and restoration, partial dentures, and, in some circumstances, crowns and bridges. Children eligible for low-income dental assistance can receive up to $2000 in dental care every two years. However, if you would like comprehensive coverage for you and your family, getting an extended health and dental insurance BC plan would be most advisable.
How does MSP coverage for seniors work in British Columbia?
Seniors are eligible for all covered MSP services and seniors 65 and older are also eligible for an annual eye examination. Depending on income, seniors can see if they are eligible for additional coverage through programs such as:
- Fair PharmaCare Plan
- MSP Supplementary Benefits
Some seniors may see significant changes in their ability to afford supplemental health insurance after retiring due to factors like a loss of employer-sponsored benefits and higher healthcare costs due to the increased risk of chronic illnesses. This can make it difficult to cover their medical expenses.
While the benefits provided by MSP do provide some coverage, a significant event or life-altering diagnosis could leave seniors emptying retirement and savings funds to cover additional costs related to treatment.
Good to know
For this reason, seniors could benefit from a supplemental health insurance BC plan to maximize coverage and give them the support they need. To find the best health insurance for seniors in BC, use our comparator at the top of this page. Many top insurers offer plans that are tailor-made to meet the unique needs of senior Canadians. However, a medical questionnaire may be necessary before assessing the premiums for the plans.
Does MSP provide health insurance for visitors?
No, the MSP does not provide health insurance BC for visitors. Visitors to BC, including tourists and individuals on short-term stays, are not eligible for MSP coverage. If you are a visitor to BC and require healthcare coverage during your stay, you would need to consider obtaining a private travel health insurance BC plan or private health and dental insurance BC plan that is specifically designed for visitors.
The premiums for these plans vary across providers and are primarily calculated based on the length of your visit, the conditions of your stay, and the age of travellers.
Why do you need extended health insurance in BC?
Extended healthcare coverage refers to a supplemental private healthcare insurance plan that pays for dental cover, prescription drugs, vision, healthcare services, and equipment beyond what the Medical Services Plan of British Columbia covers.
Extended health insurance BC plans, often offered by private healthcare insurers or companies, provide coverage for these additional healthcare services and expenses. It can help individuals and families manage the costs of services that are not covered by the government-funded healthcare system.
This type of insurance plan can be particularly valuable for covering prescription drugs, preventive care, therapies, and other health-related expenses that might not be affordable without insurance coverage. Travel insurance is also often seen in an extended health care coverage plan.
What does private BC health insurance cover?
Extended health insurance BC plans exist to cover most of what universal and provincial healthcare like OHIP and MSP will not. MSP will cover minimal services that your physician will need to deem medically necessary. Unfortunately, these services typically restrict coverage to doctor's visits, and laboratory work, offer minimal dental coverage, and provide vision services only for specific age groups.
Wondering what private health insurance BC will cover in comparison to MSP? You will notice it is a much broader umbrella of services spanning medical, comprehensive dental services, vision, and prescription drug coverage.
| Treatment | MSP | Private Health Insurance |
|---|---|---|
| Health Care |
|
|
| Paramedical Services |
(Some providers will also cover traditional Chinese medicine) | |
| Prescription Drugs |
(Reimbursement limits are dependent on the plan/provider) | |
| Dental (various waiting periods apply) |
|
|
| Vision |
|
|
| Travel |
|
Other services covered by private health insurance in British Columbia
Private health insurance covers more services and gives greater flexibility on hospital stays including nursing services or semi or fully-private rooms.
Healthcare plans from medical insurance companies also generally cover paramedical services:
- Chiropractic visits
- Massage therapists
- Physiotherapists
- Psychologists
Vision, comprehensive dental, and prescription drug coverage are also available through a BC private health insurance plan. For example, the removal of healthy wisdom teeth, even if impacted, is not covered by MSP, but it is by a private health and dental insurance BC plan.
While coverage and benefits of BC extended health insurance policies vary from provider to provider, these are vital services that can not only be preventative but save you from paying substantial out-of-pocket costs. To compare coverages of the best extended health insurance BC plans, use our free comparator at the top of this page. You can get quotes from the best medical insurance companies in no time.
Can you combine health and dental insurance in BC?
It is possible to combine health and dental insurance in BC. It is standard practice for medical insurance companies across Canada. If you have coverage from another extended health and/or dental plan, you can combine plans to maximize your overall coverage and reduce or even eliminate your out-of-pocket costs. We recommend you obtain a BC private health insurance plan while you are healthy as most times coverage will not apply to pre-existing conditions.
How much is private BC health insurance?
The Health insurance BC cost varies significantly based on individual circumstances, medical needs, budget, and more. So factors that may affect extended health insurance BC cost would primarily include:
- Age
- Gender
- Lifestyle including smoker status
- Pre-existing conditions that may apply
- Specific coverages (dental, prescription drug coverage, etc.)
- Provider
Example of private BC health insurance cost
So, how much is health insurance in BC exactly? While the monthly private healthcare policy premium would vary from one individual to another based on the aforementioned factors, here's an example of how much you could expect to pay roughly.
For example
For a 35-year-old BC resident, a Manulife ComboPlus™ Starter Plan plan would be $82.20/month. However, a health and dental insurance BC plan for the same individual, for a more comprehensive ComboPlus™ Enhanced Plan would be $145.60 per month. At the same time, for a 55-year-old BC resident, a starter plan would be $102.30 per month. For the same individual, an Enhanced plan cost would be $191.60 per month.
You may be asking yourself what benefits you would be eligible for under a similar comprehensive plan and price for a private health insurance BC plan. Here is an example of what to expect under a comprehensive private healthcare policy from a popular provider:
| Treatment | Enhanced Extended Health Care Plan (Manulife) |
|---|---|
| Health Care |
|
| Paramedical Services |
|
| Prescription Drugs |
|
| Dental |
|
| Vision |
|
| Ambulance |
|
5 ways to find the cheapest health insurance BC plans
Here are five succinct tips to help you find the best extended health insurance BC plan:
- Compare Quotes: Shop around and get quotes from multiple insurers to find the best price and BC health insurance payment options.
- Choose Basic Coverage: Opt for essential coverage to keep monthly premiums lower.
- Higher Deductibles: Consider higher deductibles for lower monthly payments.
- Group or Family Plans: Look into group or family plans for potential discounts.
- Stay Healthy: Maintaining good health can lead to lower long-term costs.
While finding the best extended health insurance BC plan might seem like a time-consuming process, we've made it simple for you. All you need to do is use our comparator below to compare plans, coverage, and prices, and even get free quotes from the best health insurance BC companies in no time.
Compare The Best Health Insurance Plans and Rates on the market!
Watch out!
Before you get a private health insurance BC plan, know that it is mandatory to have provincial MSP coverage. Yes, private insurance is not a replacement for provincial healthcare, rather it's a supplement to fill the gaps in public healthcare. Therefore, getting a private healthcare plan without MSP is not possible. So, if you haven't yet registered for MSP or do not have an MSP card yet, read on to find out how.
How do you apply for MSP?
BC requires all residents to enroll in the Medical Services Plan. There are several ways to apply to the insurance plan:
- Apply online. Health Insurance BC's MSP application process takes around 15 minutes to complete. You will need to upload digital copies of documents proving your identity and Canadian citizenship or eligible immigration status.
- Apply by mail. Send the Application for Enrolment, HLTH 102 form below to Health Insurance BC Medical Services Plan, PO Box 9678 Stn Prov Govt, Victoria British Columbia V8W 9P7
After applying by filling up the BC health insurance application form, you must obtain a Photo BC Services Card at an ICBC driver licensing office. Pick a time and location on the Driver Licensing section of ICBC. You must show two pieces of ID, have a photo taken, and declare BC residency.
Applicants under 18 years and 6 months old are automatically enrolled and will receive by mail their BC Services Card without a photo. You can check your MSP application status through the MSP Portal.
Good to know
People who are new to Canada or who are moving from a different province have a waiting period before they are eligible for MSP. The waiting period is the remainder of the month in which they established BC residency plus two months. Immigrants who are not yet eligible for MSP due to the waiting period can consider purchasing coverage under private health insurance BC immigrants plan to cover healthcare expenses during this time.
How do I contact the MSP?
You can get in touch through the (MSP) health insurance bc contact number below. They are available to assist you Monday to Friday from 8:00 a.m. to 4:30 p.m. PST. An automated service is also available 24 hours a day, seven days a week, to provide general information about benefits and services. You can also contact the health insurance BC mailing address mentioned below.
- Lower Mainland (MSP) health insurance bc phone number: 604-683-7151
- Elsewhere in BC: 1-800-663-7100 (toll-free) (You can inquire about coverage, eligibility, or any other related questions. This is the main inquiries line)
- Email general inquiries to the health insurance bc contact id: [email protected]
- If you prefer to communicate through mail, you can send your inquiries or correspondence to the public health insurance bc address: Medical Services Plan PO Box 9678 Stn Prov Govt Victoria, BC V8W 9P7 Canada
- You can also fax a request using the health insurance BC fax number: (250) 405-3592
Keep in mind
For a health insurance BC name change, you can use your BC MSP login and request online and then provide supporting documentation. All you need to do is use your MSP BC login. This change request online should take you about 15 minutes. If you have coverage through a group plan, get in touch with your group plan administrator to initiate changes through a Group Change Request process for the name change.
MSP BC Login
You can use your (MSP) health insurance bc login details to sign in and access their online portal. To manage your account and make changes such as updating your MSP address change in BC, updating or correcting personal information, adding and/or removing a spouse or children, and updating or confirming your status in Canada, you can use the MSP BC login.
You will not need a password for your health insurance MSP BC login. Your Personal Health Number (PHN) is enough to verify your account. Here you will find relevant information about your coverage, eligibility, and other related services.
Should you face any issues or would like to share concerns with services provided by the provincial healthcare system, you can write to:
Attention: Operations Director/Complaints Health Insurance BC PO Box 9035
Stn Prov Govt Victoria, B.C.
V8W 9E3 Fax: 250 405-3595
Good to know
Keep in mind that there might be information regarding new changes or updates, so it's best to regularly visit the official website for the most up-to-date information and any associated online accounts or services. You can call the health insurance bc contact for information.
How to apply to the MSP as an international student?
Even though MSP or Provincial Health Insurance of BC is now free for residents, international students on a study permit for at least 6 months must pay for MSP healthcare coverage.
All international K-12 and post-secondary students owe a monthly healthcare coverage fee of $75. You can either apply online or by mail by completing the paper Application for Enrolment form. Provide accurate information such as study permit details and program duration.
You can mail the application to Health Insurance BC, Medical Services Plan, PO Box 9678 Stn Prov Govt, Victoria British Columbia V8W 9P7. You could get in touch with the BC health insurance contact mentioned earlier for questions.
There are tailored international student health insurance BC plans. We recommend that you get a private temporary health insurance BC plan for comprehensive coverage. Use our comparator to get quotes for the best health and dental insurance BC plans.
