1，MSP 保费减免：BC Medical Services Plan (MSP) Premium Assistance
In B.C., you are required to pay monthly premiums for Medical Service Plan (MSP) coverage. They are based on family size and income.
Eligibility
According to the Ministry of health, assistance with the payment of premiums is available to Canadian citizens or holders of permanent resident status (landed immigrants) who have held that status and been resident in Canada for the past 12 consecutive months.
Regular Premium Assistance
Regular premium assistance offers subsidies ranging from 20 to 100 per cent, based on an individual’s net income (or a couple’s combined net income) for the preceding tax year, less deductions for age, family size and disability.
Monthly rates are $54 for one person, $96 for a family of two and $108 for a family of three or more. Effective January 1, 2010, monthly rates will change to $57 for one person, $102 for a family of two and $114 for a family of three or more.
Also as of January 1, 2010, the regular premium assistance program will be enhanced to allow more British Columbians to qualify and to allow persons already receiving a partial subsidy to qualify for a higher level of assistance.
The adjusted net income thresholds to qualify for a subsidy under the regular assistance program are shown in the table below
Percentage of Assistance
Adjusted Net Income Effective July 1, 2005
Adjusted Net Income Effective January 1, 2010
100%
$20,000
$22,000
80%
$22,000
$24,000
60%
$24,000
$26,000
40%
$26,000
$28,000
20%
$28,000
$30,000
No assistance
Over $28,000
Over $30,000
How to Apply：604-660-2421
See the Ministry of Health website below for information and forms to apply for assistance.
Temporary Premium Assistance (TPA) provides a short term period of MSP premium waver for qualifying individuals and families. It is designed to assist individuals and families who are not able to pay premiums due to sudden financial hardship for which they could not reasonably have budgeted.
Note: If you qualify for any level of regular assistance, you should make application for that program regardless of whether you will also be completing an application for temporary assistance. Most beneficiaries who qualify for a premium subsidy do so under the regular rather than the temporary assistance program.
Fair PharmaCare Assistance Levels – Regular Family Net Income
Income Range
Family Deductible
Portion PharmaCare pays after deductible is met
Family Maximum
PharmaCare covers 100% of costs for the rest of the year after the maximum is met
$ 0.00
$ 1,875.00
$ 0
70%
$ 25
$ 1,875.01
$ 3,125.00
$ 0
70%
$ 50
$ 3,125.01
$ 4,375.00
$ 0
70%
$ 75
$ 4,375.01
$ 6,250.00
$ 0
70%
$ 100
$ 6,250.01
$ 8,750.00
$ 0
70%
$ 150
$ 8,750.01
$ 11,250.00
$ 0
70%
$ 200
$ 11,250.01
$ 13,750.00
$ 0
70%
$ 250
$ 13,750.01
$ 15,000.00
$ 0
70%
$ 300
$ 15,000.01
$ 16,250.00
$ 300
70%
$ 450
$ 16,250.01
$ 18,750.00
$ 350
70%
$ 525
$ 18,750.01
$ 21,250.00
$ 400
70%
$ 600
$ 21,250.01
$ 23,750.00
$ 450
70%
$ 675
$ 23,750.01
$ 26,250.00
$ 500
70%
$ 750
$ 26,250.01
$ 28,750.00
$ 550
70%
$ 825
$ 28,750.01
$ 30,000.00
$ 600
70%
$ 900
$ 30,000.01
$ 31,667.00
$ 900
70%
$ 1,200
$ 31,667.01
$ 35,000.00
$ 1,000
70%
$ 1,350
$ 35,000.01
$ 38,333.00
$ 1,100
70%
$ 1,475
$ 38,333.01
$ 41,667.00
$ 1,200
70%
$ 1,600
$ 41,667.01
$ 45,000.00
$ 1,300
70%
$ 1,750
$ 45,000.01
$ 48,333.00
$ 1,400
70%
$ 1,875
$ 48,333.01
$ 51,667.00
$ 1,500
70%
$ 2,000
$ 51,667.01
$ 55,000.00
$ 1,600
70%
$ 2,150
$ 55,000.01
$ 58,333.00
$ 1,700
70%
$ 2,275
$ 58,333.01
$ 61,667.00
$ 1,800
70%
$ 2,400
$ 61,667.01
$ 65,000.00
$ 1,900
70%
$ 2,550
$ 65,000.01
$ 70,833.00
$ 2,000
70%
$ 2,675
$ 70,833.01
$ 79,167.00
$ 2,250
70%
$ 3,000
$ 79,167.01
$ 87,500.00
$ 2,500
70%
$ 3,350
$ 87,500.01
$ 95,833.00
$ 2,750
70%
$ 3,675
$ 95,833.01
$ 108,333.00
$ 3,000
70%
$ 4,000
$ 108,333.01
$ 125,000.00
$ 3,500
70%
$ 4,675
$ 125,000.01
$ 141,667.00
$ 4,000
70%
$ 5,350
$ 141,667.01
$ 158,333.00
$ 4,500
70%
$ 6,000
$ 158,333.01
$ 183,333.00
$ 5,000
70%
$ 6,675
$ 183,333.01
$ 216,667.00
$ 6,000
70%
$ 8,000
$ 216,667.01
$ 250,000.00
$ 7,000
70%
$ 9,350
$ 250,000.01
$ 283,333.00
$ 8,000
70%
$ 10,000
$ 283,333.01
$ 316,667.00
$ 9,000
70%
$ 10,000
$ 316,667.01
$ 999,999,999.00
$ 10,000
100%
$ 10,000
Deductible for a family registered for Fair PharmaCare whose income cannot be verified
$ 10,000
100%
Deductible for a person actively enrolled in the Medical Services Plan but not registered for Fair PharmaCare
$ 10,000
100%
3，孩子眼睛，牙齿福利: 儿童保健计划Health Kids
联系电话：1-866-866-0800-4-2
Healthy Kids Program
·The Healthy Kids Program helps low-income families with costs associated with basic dental care and prescription glasses for their children.
·Dependant children under 19 years of age, in families approved for premium assistance by the Medical Services Plan (MSP) through the Ministry of Health Services, are automatically registered with the Healthy Kids Program.
Coverage under the Healthy Kids Program
·Dental- Children are eligible for $700 of basic dental services per calendar year. This coverage includes services such as exams, x-rays, fillings, cleanings and extractions. Dentists can advise families of other services that may be covered.
·Optical - Children are eligible for prescription eyeglasses (lenses and basic frames) once in a twelve-month period. Children’s eye examinations are covered by MSP.
How to access services under the Healthy Kids Program
Before any dental or optical services begin, families need to show their child’s BC CareCard to their dentist or eye specialist who will confirm the child’s eligibility under the Healthy Kids Program.
·The Province pays dentists and eye specialists directly for the services children receive.
·Additional charges over and above what the Healthy Kids Program will cover are the responsibility of the family.
何为“卑诗省儿童保健计划”？
“卑诗省儿童保健计划”帮助低收入家庭承担其子女的基本牙科护理和处方眼镜的费用。享受卑诗卫生厅(Ministry of Health)的医疗保健计划(MSP) 保费补助的19 岁以下未独立孩子均有资格参加本计划。
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低收入家庭MSP医疗保险计划的各种额外福利
低收入家庭MSP医疗保险计划的各种额外福利
1， MSP 保费减免：BC Medical Services Plan (MSP) Premium Assistance
In B.C., you are required to pay monthly premiums for Medical Service Plan (MSP) coverage. They are based on family size and income.
Eligibility
According to the Ministry of health, assistance with the payment of premiums is available to Canadian citizens or holders of permanent resident status (landed immigrants) who have held that status and been resident in Canada for the past 12 consecutive months.
Regular Premium Assistance
Regular premium assistance offers subsidies ranging from 20 to 100 per cent, based on an individual’s net income (or a couple’s combined net income) for the preceding tax year, less deductions for age, family size and disability.
Monthly rates are $54 for one person, $96 for a family of two and $108 for a family of three or more. Effective January 1, 2010, monthly rates will change to $57 for one person, $102 for a family of two and $114 for a family of three or more.
Also as of January 1, 2010, the regular premium assistance program will be enhanced to allow more British Columbians to qualify and to allow persons already receiving a partial subsidy to qualify for a higher level of assistance.
The adjusted net income thresholds to qualify for a subsidy under the regular assistance program are shown in the table below
Percentage of Assistance
Adjusted Net Income Effective July 1, 2005
Adjusted Net Income Effective January 1, 2010
100%
$20,000
$22,000
80%
$22,000
$24,000
60%
$24,000
$26,000
40%
$26,000
$28,000
20%
$28,000
$30,000
No assistance
Over $28,000
Over $30,000
How to Apply：604-660-2421
See the Ministry of Health website below for information and forms to apply for assistance.
More information:
https://www.health.gov.bc.ca/exforms/msp/premium_assistance.html
Temporary Premium Assistance
Temporary Premium Assistance (TPA) provides a short term period of MSP premium waver for qualifying individuals and families. It is designed to assist individuals and families who are not able to pay premiums due to sudden financial hardship for which they could not reasonably have budgeted.
More information:
http://www.healthservices.gov.bc.ca/msp/infoben/premium.html#assistance
Note: If you qualify for any level of regular assistance, you should make application for that program regardless of whether you will also be completing an application for temporary assistance. Most beneficiaries who qualify for a premium subsidy do so under the regular rather than the temporary assistance program.
An application for temporary premium assistance can be found on the website of the Ministry of Finance.
一旦申请到了保费减免，就自动享有如下的福利：医药费补助， 小孩眼科, 眼镜， 牙科（$700/孩）补助。
2， 医药费补助Fair PharmaCare Assistance：
联系电话：604-683-7151-3-5
Fair PharmaCare Assistance Levels – Regular Family Net Income
Income Range
Family Deductible
Portion PharmaCare pays after deductible is met
Family Maximum
PharmaCare covers 100% of costs for the rest of the year after the maximum is met
$ 0.00
$ 1,875.00
$ 0
70%
$ 25
$ 1,875.01
$ 3,125.00
$ 0
70%
$ 50
$ 3,125.01
$ 4,375.00
$ 0
70%
$ 75
$ 4,375.01
$ 6,250.00
$ 0
70%
$ 100
$ 6,250.01
$ 8,750.00
$ 0
70%
$ 150
$ 8,750.01
$ 11,250.00
$ 0
70%
$ 200
$ 11,250.01
$ 13,750.00
$ 0
70%
$ 250
$ 13,750.01
$ 15,000.00
$ 0
70%
$ 300
$ 15,000.01
$ 16,250.00
$ 300
70%
$ 450
$ 16,250.01
$ 18,750.00
$ 350
70%
$ 525
$ 18,750.01
$ 21,250.00
$ 400
70%
$ 600
$ 21,250.01
$ 23,750.00
$ 450
70%
$ 675
$ 23,750.01
$ 26,250.00
$ 500
70%
$ 750
$ 26,250.01
$ 28,750.00
$ 550
70%
$ 825
$ 28,750.01
$ 30,000.00
$ 600
70%
$ 900
$ 30,000.01
$ 31,667.00
$ 900
70%
$ 1,200
$ 31,667.01
$ 35,000.00
$ 1,000
70%
$ 1,350
$ 35,000.01
$ 38,333.00
$ 1,100
70%
$ 1,475
$ 38,333.01
$ 41,667.00
$ 1,200
70%
$ 1,600
$ 41,667.01
$ 45,000.00
$ 1,300
70%
$ 1,750
$ 45,000.01
$ 48,333.00
$ 1,400
70%
$ 1,875
$ 48,333.01
$ 51,667.00
$ 1,500
70%
$ 2,000
$ 51,667.01
$ 55,000.00
$ 1,600
70%
$ 2,150
$ 55,000.01
$ 58,333.00
$ 1,700
70%
$ 2,275
$ 58,333.01
$ 61,667.00
$ 1,800
70%
$ 2,400
$ 61,667.01
$ 65,000.00
$ 1,900
70%
$ 2,550
$ 65,000.01
$ 70,833.00
$ 2,000
70%
$ 2,675
$ 70,833.01
$ 79,167.00
$ 2,250
70%
$ 3,000
$ 79,167.01
$ 87,500.00
$ 2,500
70%
$ 3,350
$ 87,500.01
$ 95,833.00
$ 2,750
70%
$ 3,675
$ 95,833.01
$ 108,333.00
$ 3,000
70%
$ 4,000
$ 108,333.01
$ 125,000.00
$ 3,500
70%
$ 4,675
$ 125,000.01
$ 141,667.00
$ 4,000
70%
$ 5,350
$ 141,667.01
$ 158,333.00
$ 4,500
70%
$ 6,000
$ 158,333.01
$ 183,333.00
$ 5,000
70%
$ 6,675
$ 183,333.01
$ 216,667.00
$ 6,000
70%
$ 8,000
$ 216,667.01
$ 250,000.00
$ 7,000
70%
$ 9,350
$ 250,000.01
$ 283,333.00
$ 8,000
70%
$ 10,000
$ 283,333.01
$ 316,667.00
$ 9,000
70%
$ 10,000
$ 316,667.01
$ 999,999,999.00
$ 10,000
100%
$ 10,000
Deductible for a family registered for Fair PharmaCare whose income cannot be verified
$ 10,000
100%
Deductible for a person actively enrolled in the Medical Services Plan but not registered for Fair PharmaCare
$ 10,000
100%
3， 孩子眼睛，牙齿福利: 儿童保健计划Health Kids
联系电话：1-866-866-0800-4-2
Healthy Kids Program
· The Healthy Kids Program helps low-income families with costs associated with basic dental care and prescription glasses for their children.
· Dependant children under 19 years of age, in families approved for premium assistance by the Medical Services Plan (MSP) through the Ministry of Health Services, are automatically registered with the Healthy Kids Program.
Coverage under the Healthy Kids Program
· Dental- Children are eligible for $700 of basic dental services per calendar year. This coverage includes services such as exams, x-rays, fillings, cleanings and extractions. Dentists can advise families of other services that may be covered.
· Optical - Children are eligible for prescription eyeglasses (lenses and basic frames) once in a twelve-month period. Children’s eye examinations are covered by MSP.
How to access services under the Healthy Kids Program
Before any dental or optical services begin, families need to show their child’s BC CareCard to their dentist or eye specialist who will confirm the child’s eligibility under the Healthy Kids Program.
· The Province pays dentists and eye specialists directly for the services children receive.
· Additional charges over and above what the Healthy Kids Program will cover are the responsibility of the family.
何为“卑诗省儿童保健计划”？
“卑诗省儿童保健计划”帮助低收入家庭承担其子女的基本牙科护理和处方眼镜的费用。享受卑诗卫生厅(Ministry of Health)的医疗保健计划(MSP) 保费补助的19 岁以下未独立孩子均有资格参加本计划。
如何申请“卑诗省儿童保健计划”？
获准享受MSP 保费补助的家庭都可参加本计划。本计划提供的保障从获准享受MSP 保费补助的第二个月开始生效，无需另外填写注册申请表。有关如何申请MSP 的信息，请拨打604 683-7151 或免费电话1 800 663-7100 致电卑诗省卫生厅。也可登录卑诗省健康保险局网站(Health Insurance BC) www.HIBC.gov.bc.ca 了解详情。
“卑诗省儿童保健计划”涵盖哪些服务？
牙科– 孩子每年可享受$700 以内的基本牙科服务。该项目包括检查、X 光、补牙、洗牙和拔牙。牙医会告诉您本计划可涵盖的其他服务。即使孩子的费用已达到年度限额，仍可使用牙科急诊，但牙科急诊仅可用于紧急止痛。
眼科– 孩子有资格享受每12 个月配一次处方眼镜（镜片及基本镜架）。所有验光报告必须是最新的，且符合本计划的要求。有关更多信息，请咨询眼科服务提供商。MSP 可涵盖为孩子检查视力的费用。“卑诗省儿童保健计划”不涵盖正畸治疗及/或隐形眼镜的费用。
如何使用“卑诗省儿童保健计划”所涵盖的服务？
使用“卑诗省儿童保健计划”所涵盖的服务时，须向牙科或眼科服务提供商出示孩子的卑诗省医疗卡(Care Card)。每次赴约就诊前，牙科及眼科服务工作人员都会向“卑诗省儿童保健计划”承办人确认，所需服务是否在该计划的保障范围内。
我的孩子能参加“卑诗省儿童保健计划”多久？
正在享受MSP 保费补助且可持续享受该补助的家庭，其子女即有资格享受“卑诗省儿童保健计划”提供的保障。孩子可一直享受该计划提供的保障，直到19 岁生日的那个月。家庭MSP 保费补助所支持的医疗保障中如有任何变更，都会影响您孩子在“卑诗省儿童保健计划”中所享受的保障。
哪些机构可透过“卑诗省儿童保健计划”提供服务？
开始治疗之前，请确认就诊的牙科或眼科服务提供商能否透过“卑诗省儿童保健计划”提供服务。“卑诗省儿童保健计划”无法提供参与本计划的服务提供商名单。查找可为参加本计划的孩子提供服务的机构，是父母要做的工作。
欢迎来电垂询本文作者Frank Chen: 778-322-2567
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