Health and Community Services

Medical Care Plan Coverage

The Newfoundland and Labrador Medical Care Plan (MCP) was introduced on April 1, 1969. It is a comprehensive plan of medical care insurance designed to cover the cost of physician services for bona fide residents of the province.

The Medical Care Insurance Insured Services Regulations PDF (12 KB) stipulate the general categories of medical services covered under the Plan; these include:

  • visits to a physician's office, hospital or beneficiary's residence
  • surgical, diagnostic and therapeutic procedures, including anaesthesia
  • pre- and post-operative care
  • complete maternity care
  • radiology interpretive services
  • certain surgical-dental procedures which are medically necessary to be performed in hospital by a dentist or oral surgeon

The specific procedures and services covered under the Medical Care Plan are listed in the Medical Care Plan (MCP) Medical Payment Schedule (2013)  PDF (5 MB).

The Medical Care Insurance Insured Services Regulations also list specific services which are not insured under the Medical Care Plan; these include:

  • physician's advice given by telephone
  • drugs and vaccines
  • provision of medical appliances
  • writing of prescriptions
  • preparation of records, reports or certificates
  • services available under other provincial or federal legislation
  • physician's travel time and expenses
  • ambulance services or other transportation
  • acupuncture and subsequent related services
  • non-medically necessary examinations or examinations required by third parties (e.g. annual check-up, employment, pre-school or drivers' medicals, etc.)
  • surgery for cosmetic purposes
  • physician's testimony given in a court
  • eye examinations for corrective lenses
  • routine, in-hospital, dental extractions
  • the difference between general practice and specialist rates for non-referred patients
  • services provided by chiropractors, optometrists, podiatrists, naturopaths, osteopaths, physiotherapists, nurses or other paramedical personnel
  • newborn circumcisions
  • hypnotherapy
  • consultations required due to hospital policy
  • alcohol / drug dependency treatment outside Canada
  • Services provided in private non-approved Canadian diagnostic imaging facilities (e.g. MRI, CT, X-ray, etc.)
  • therapeutic abortions performed outside Canada, or at a non-approved Canadian facility
  • sex change surgery, unless recommended by the Clarke Institute of Psychiatry
  • in-vitro fertilization and ovarian stimulation and sperm transfer
  • reversal of a previous sterilization procedure

(this list has been compiled for information purposes only and is not the official list of uninsured services)

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