What is MSP?
Medical Services Plan (MSP) is a mandatory health insurance plan, for everyone who lives in British Columbia (BC) for six months or longer. Apply for MSP immediately after you arrive.
Why do I need MSP?
MSP covers the cost of basic medical care within Canada, including most physician and hospital services. In most cases, you will not have to pay at the time you seek medical care when you show your BC Services Card. MSP does not cover dental care, prescription drugs, routine vision care (such as eye examinations or corrective lenses), or travel. For a full list of your medical and health care benefits visit the MSP website.
When do I need MSP?
You must apply for MSP as soon as you arrive in BC. There is a three-month waiting period before MSP coverage begins: this is the rest of the month in which you arrive in BC, plus two full calendar months. For example, if you arrive in BC on August 25, you will be eligible for MSP on November 1.
Designed to coincide with the waiting period for MSP, most new international students are covered by iMED for their first three months in BC.
How much does MSP cost?
Effective January 01, 2017: MSP will cost $75 per month for one adult and $150 for families with two adults or more. There will be no premiums for children under the age of 19, including international students.
Also, children 19-24 years old who are both attending university and covered on their parent/guardian’s MSP account can continue to be covered as children on the parent/guardian’s account and will not be charged premiums until they turn 25 years old, if they are:
- Unmarried (and not in a marriage-like relationship),
- Financially supported by the parent or guardian, and
- Attending a recognized post-secondary school on a full-time basis
Please note, these fees are subject to change. Check the MSP website for more information on the changes.