Welcome To Canada Capstone College

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At CCC, we want our students and clients to have a worry free stay in Canada but sickness and accidents can happen. Medical services in Canada are of the highest calibre but are very costly to those not possessing medical coverage, so MEDICAL INSURANCE IS A MUST!!!    While Canadian citizens and permanent residents are covered by provincial medical insurance services,

Canada does not pay for hospital or medical services for visitors. ( http://www.cic.gc.ca/english/information/faq/visit/visit-faq05.asp)

The Government of Canada does not pay for the medical costs of foreign students. Health coverage for foreign students varies among the provinces. ( http://www.cic.gc.ca/english/study/study-arriving.asp) 

International Student Insurance

If you are coming to British Columbia with a student visa and/or work permit valid for one year(or more), you can apply for MSP immediately after you arrive .
(http://www.health.gov.bc.ca/msp/forms.html)

What is MSP?

MSP is BC's provincial health insurance plan. Anyone residing in BC for longer than six months is required by law to enrol in MSP and pay premiums directly to the plan.

Are you eligible for MSP?

In British Columbia:

An individual must be a resident of British Columbia in order to qualify for medical coverage under British Columbia's Medical Service Plan (MSP). A resident is a person who meets all of the following conditions:

• Must be a citizen of Canada or be lawfully admitted to Canada for permanent residence;
• Must make his or her home in British Columbia;
• Must be physically present in British Columbia at least 6 months in a calendar year;
• Dependents of MSP beneficiaries are eligible for coverage if they are residents of B.C.

What is covered?

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 MSP CareCard.
MSP does not cover most dental care, prescription drugs, or routine vision care (such as eye examinations or corrective lenses). A full list of medical and health care benefits under MSP is available online.

When am I eligible for MSP?

There is a 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.

How much does MSP cost?

MSP's monthly costs are: $54.00 for one person, $96.00 for a family of two, and $108.00 for a family of three or more. Information on how to pay your premiums is available online.

What is a CareCard?

The MSP membership card is called a CareCard, and the MSP number is called a Personal Health Number. You will be sent a CareCard once MSP processes your application. Be sure to contact MSP within one month after submitting your application to confirm that they received it.

I don't have my CareCard yet and I need to see a doctor. What should I do?

It is our understanding that any eligible person who has submitted an application will be covered after the waiting period, even if their CareCard has not yet arrived. If this is the case for you, you may need to pay at the time you receive health care, keep the receipt, and request reimbursement from MSP once your card arrives.

My CareCard will expire soon. How can I extend it?

If you already have MSP and your CareCard is about to expire (or has recently expired), and if you have recently renewed your study permit, fax or send MSP a photocopy of your new study permit, along with a cover letter that includes your full name, address, date of birth, CareCard number, and your request for extension.
   BC Medical Services Plan
   PO Box 9035 Stn Prov Govt
   Victoria, BC V8W 9E3
   Fax: 250.405.3595

Contact MSP

If you need to speak with an MSP customer service representative, please call between 8:00 am and 4:30 pm, Monday to Friday.
Vancouver: 604.683.7151
Maple Ridge Office: 604.466.7470
Other areas of BC (toll-free): 1.800.663.7100