Medical Services Plan

Medical Services Plan Updates

The Medical Services Plan (MSP) is the provincial government program that covers medically-required services provided by physicians and supplementary healthcare practitioners, laboratory services and diagnostic procedures.

Please note the following MSP updates:

  • Effective Jan. 1, 2019, there will be no MSP premium rate changes. (Note: No MSP premiums are charged for dependent children. To be considered as a dependent child, they must be under the age of 19, or between the ages of 19-25 attending school full time.)
  • Beginning Jan. 1, 2019, employers such as UBC will pay an Employer’s Health Tax (EHT) to allow for full elimination of MSP premiums. BC Residents will still be required to pay MSP premiums for the 2019 calendar year.
  • Beginning Jan. 1, 2020, all BC residents will no longer be required to pay monthly MSP premiums. Employers will continue to pay the Employer’s Health Tax (EHT).
MSP Rates Monthly Premiums Effective Jan. 1, 2019
One Adult $37.50
Two Adults $75.00

 

MSP Premium Update for 2019 and 2020

In the Feb. 2018 BC Budget announcement, the Finance Minister announced the following changes to Medical Services Plan (MSP) premiums:

  • Beginning Jan. 1, 2019, employers such as UBC will pay an Employer’s Health Tax (EHT) to allow for the full elimination of MSP premiums. BC residents will still be required to pay MSP premiums for the 2019 calendar year.
  • Beginning Jan. 1, 2020, all BC residents will no longer be required to pay monthly MSP premiums. Employers will continue to pay the EHT.

More info about these changes will be provided prior to their implementation dates.

Medical Services Plan Rate Changes

The Medical Services Plan (MSP) is the BC provincial government program that covers medically required services provided by physicians and supplementary health care practitioners, laboratory services and diagnostic procedures. In the fall, the BC Ministry of Health announced an updated calculation of MSP rates.

Effective January 1, 2018, current rates for MSP premiums will be reduced by 50% for all residents of British Columbia. There is no need to apply for this reduction as premium amounts will be automatically adjusted. The new MSP premium rate for one adult (with or without children) will be $37.50 per month and the premium rate for two adults (with or without children) will be $75.00 per
month.

Reminder: There are no MSP premiums charged for dependent children (under the age of 19 or between the ages of 19-25 if they are considered a full-time student).

 MSP Rates 2017 Monthly Premiums Monthly Premiums
Effective Jan. 1, 2018
One Adult $75.00 $37.50
Two Adults $150.00 $75.00

MSP Premium Assistance Program Rate Changes

The Medical Services Plan (MSP) threshold for those who are eligible for Premium Assistance continues to be available for those with a household combined adjusted net income of $42,000 or less. Full Regular Premium Assistance will be available to those whose adjusted net income is $26,000 or less. This is a $2,000 increase from the current $24,000. All other current rates for MSP Premium Assistance will be reduced by 50%.

If you believe you are eligible for Premium Assistance, you can apply by completing the MSP Application for Regular Premium Assistance form.

Please contact Janet McHugh at 604-822-4580 or janet.mchugh@ubc.ca if you need a form to be sent to you instead. If you are paying your MSP premiums through the RSB Plan, your Regular Premium Assistance form will need to be signed by Janet McHugh prior to being sent to Health Insurance BC for processing. Please send your completed form to:

Janet McHugh
600 – 6190 Agronomy Road
Vancouver, BC V6T 1Z3

Medical Services Plan (MSP) Rate Changes

The Medical Services Plan (MSP) is the provincial government program that covers medically required services provided by physicians and supplementary healthcare practitioners, laboratory services and diagnostic procedures. Recently, the British Columbia Ministry of Health has announced that the calculation of MSP rates has been updated.

Effective January 1, 2017, MSP monthly premiums will be assessed based on the number of adults covered. The MSP premium rate for one adult (with or without children) will be $75.00 per month and the premium rate for two adults (with or without children) will be twice the amount of the single adult rate at $150.00 per month.

Current Rate Structure and Premium Rate Structure and Premium
Effective January 1, 2017
Single

(1 individual)

$75.00 1 Adult $75.00
Couple

(2 or more individuals)

$136.00 1 Adult & 1 Child $75.00
2 Adults $150.00
Family

(3 or more individuals)

$150.00 1 Adult & 2 or more Children $75.00
2 Adults & 1 or more Child $150.00

 

MSP Premium Assistance Program Threshold Increase

The Medical Services Plan (MSP) threshold for those who are eligible for Premium Assistance has increased to be available for those with a household combined adjusted net income of $42,000 or less. Full Regular Premium Assistance will be available to those whose adjusted net income is $24,000 or less.

If you believe you are eligible for Premium Assistance, you can apply by completing the MSP Application for Regular Premium Assistance form.

Please contact Janet McHugh at 604-822-4580 or janet.mchugh@ubc.ca if you need a form to be sent to you instead. If you are paying your MSP premiums through the RSB Plan, your Regular Premium Assistance form will need to be signed by Janet McHugh prior to being sent to Health Insurance BC for processing. Please send your completed form to:

Janet McHugh
600 – 6190 Agronomy Road
Vancouver, BC
V6T 1Z3

Medical Service Plan (MSP) Rate Changes for 2016

The Medical Services Plan (MSP) is the provincial government program that covers medically required services provided by physicians and supplementary health care practitioners, laboratory services and diagnostic procedures. Recently, the Province of British Columbia has announced the rate changes for Medical Services Plan (MSP). Effective of January 1, 2016, the premiums will increase by 4.2%.

 MSP Rates

2015 Monthly Premiums

Monthly Premiums Effective Jan 1, 2016

Individual

$72.00

$75.00

Family of two

$130.50

$136.00

Family of three or more

$144.00

$150.00

Difference between MSP and Extended Health Benefits

Canada has an extensive publicly financed and comprehensive health care system that pays for essential physician and hospital care.

As comprehensive as Canada’s health care system is, not all medically necessary health, dental and welfare services are covered, and provinces and territories will vary in their coverage of these services to their residents. Services that are not covered by the system may be reimbursed by the patient’s Extended Health and/or Dental Care plans, or paid out-of-pocket by the patient.

Sun Life, the Extended Health and Dental Care provider, has developed a number of comprehensive Health Care Guides outlining the coverage options for six common health events by province. The six health events are:

  • Disability Protection
  • Home Care
  • Long Term Care
  • Palliative Care
  • Prescription Drugs
  • Travel Emergency Health

To view the Health Care Guides, please visit Sun Life’s website at www.sunlife.ca, then selecting “About us” on the toolbar on the top of the screen, and clicking on “Who pays for healthcare?”. From there, you are able to filter results by your province.

The Health Care Guides provide information on what is covered by the public health care system. Extended Health benefits for those enrolled through the Retirement & Survivor Benefits Program (RSB) provide additional coverage on top of public system coverage. For example, the BC Medical Services Plan pays for the cost of a shared (ward) hospital room. The RSB Extended Health Plan will reimburse 80% of the additional cost of a semi-private or private hospital room after meeting the annual deductible.