Questions and Answers about Health Care CoverageThis page outlines benefits administered by the Insured Benefits Branch of Manitoba Health and also provides information on eligibility and registration. Please click on any of the questions below: Show
Eligibility
Hospital/Medical Coverage in Manitoba
Moving Temporarily (Domestic Students, Travel, Employment)
Out of Country Referrals
Emergency Care or Medical Attention Outside of Manitoba or Canada
Moving Permanently
Am I eligible for coverage?To be eligible for Manitoba Health coverage you must:
The following are not eligible for coverage:
^ top of page I'm new to Manitoba. How do I apply for coverage?If you are eligible (i.e., legally entitled to be in Canada and intend on living in Manitoba for at least 183 days of the year), coverage will begin on the first day of the third month after your arrival in Manitoba. For example, if you arrive on April 29, April will count as the first month, with May and June as the following two. Therefore, in this case your coverage would begin July 1. When you register, you will need to:
AND Provide proof of residence in Manitoba: 6 months (183 days) in a calendar year. How to Prove Your Residence in ManitobaPlease provide any one of these documents, subject to the documents being acceptable to Health:
OR Any two of these documents, subject to the documents being acceptable to Health:
Until your health coverage begins you should maintain your coverage with your previous health plan. Please report changes such as a new address, birth, adoption, death, marriage, divorce, or legal separation to the Insured Benefits Branch. Documentation is required for some changes. Where can I register for Manitoba Health coverage?Manitoba residents are encouraged to submit requests to Manitoba Health via email, fax, and mail.
If in-person service is required, one person per household to attend the office is preferred. ** Now available** A secure drop off box located in the office at 300 Carlton St. for Manitoba Health Registration forms and supporting documents, requests to make changes to the health card and Pharmacare applications.
Registration forms may be obtained here. or Bilingual Service Centre or Rural areas: Contact the city or municipal office in your area, or visit the Bilingual Service Centre nearest you: 51 Rogers St Unit A, 30 Dawson Rd Recreational Centre on Hwy 6 427 Sabourin St Remember: It is an offence to allow anyone, other than those listed on your registration certificate, to use your certificate. ^ top of page I'm new to Canada. How do I apply for coverage?If you are moving to or returning to Manitoba from outside of Canada, eligibility is based on proof of your legal status in Canada and your residence in Manitoba. Who is eligible for Manitoba Health coverage?Returning Canadians You are eligible for coverage the day you arrive in Manitoba when proof of your Canadian citizenship, arrival date and residence status are provided. Permanent Resident You are eligible for coverage on your date of arrival in Manitoba when proof of Permanent Resident Status is provided or on the date Permanent Resident Status is granted. Work Permit If your Work Permit is valid for at least 12 months in Manitoba, you and any family members listed on the Work Permit are eligible for coverage as of the date it was issued. If your Work Permit is less than 12 months, you are not eligible until you receive an extension allowing you to stay in Manitoba for at least 12 months. You will then be covered as of the date of the extension. Study Permit Effective September 1, 2018, individuals with a Study Permit from Immigration, Refugees and Citizenship Canada (IRCC) are no longer eligible for health insurance coverage through Manitoba Health (Health). Visitor Record You are not eligible for coverage unless you are accompanying a spouse or parent who has a Work Permit valid for 12 months or more. The Visitor Record must be valid for at least 183 days. Dependants who reach the age of 18 must have a Work Permit to be eligible for further benefits. When you register, you will need to:
AND Provide proof of residence in Manitoba: 6 months (183 days) in a calendar year. How to Prove Your Residence in ManitobaPlease provide any one of these documents:
OR Any two of these documents, subject to the documents being acceptable to Health:
Please report changes such as a new address, birth, adoption, death, marriage, divorce, or legal separation to the Insured Benefits Branch. Documentation is required for some changes. Where can I register for Manitoba Health coverage?Manitoba residents are encouraged to submit requests to Manitoba Health via email, fax, and mail.
If in-person service is required, one person per household to attend the office is preferred. ** Now available** A secure drop off box located in the office at 300 Carlton St. for Manitoba Health Registration forms and supporting documents, requests to make changes to the health card and Pharmacare applications. Registration and Client Services Registration forms may be obtained here. or Bilingual Service Centre or Rural areas: Contact the city or municipal office in your area, or visit the Bilingual Service Centre nearest you: 51 Rogers St Unit A, 30 Dawson Rd Recreational Centre on Hwy 6 427 Sabourin St ^ top of page I lost my Manitoba Health Card. How do I replace it?If your Manitoba Health card is lost, stolen, or damaged, please contact the Insured Benefits Branch immediately for replacement, or apply online using the eNotice of Change form. ^ top of page How do I report changes to my registration information?Please report changes such as a new address, birth, gender, adoption, death, marriage, divorce, or legal separation to the Insured Benefits Branch. Documentation is required for some changes. Changing your sex designation on your health card A Manitoba resident may request the change to their Manitoba health card. This can be done when a health card is issued at birth, or anytime thereafter by contacting Manitoba Health, Registration and Client Services office. In order to make the change to your Manitoba health card, please complete an eNotice of Change form and provide a photocopy of your Canadian Birth Certificate. Dealing with Death In the event of the death of a Manitoba resident, please report the death to Manitoba Health. Next of kin of the deceased, an individual holding a power of attorney, or an executor or administrator of the deceased’s estate may inform Manitoba Health of a death by providing a photocopy of the death certificate or a funeral director’s certificate. If a Manitoba resident dies in another Canadian
province, Manitoba Health will require the next of kin or one of the above mentioned legal representatives to provide the required documentation confirming death to Manitoba Health, in order to ensure that the deceased’s information is changed in the Manitoba Health registration database. Please report changes to your registration information to: Registration and Client Services Registration forms may be obtained here. or Bilingual
Service Centre or Rural areas: Contact the city or municipal office in your area, or visit the Bilingual Service Centre nearest you: 51 Rogers St Unit A, 30 Dawson Rd Recreational Centre on Hwy
6 427 Sabourin St ^ top of page What medical services are insured by Manitoba Health?Manitoba Health directly pays physicians’ services that are medically required for you or your dependants. If you are a Manitoba resident, and are physically present in the province for 183 days, you are eligible for insured medical services. Benefits include the following services:
What other practitioners’ services am I insured for?Optometrists Manitoba Health provides coverage under the provincial health plan for one routine complete eye exam provided in a 2-year benefit period for patients under the age of 19 years and 65 years of age and over. All residents, regardless of age, are entitled to coverage of an eye exam when warranted by medical conditions as determined by the eye care provider. Unless the patient falls into one of these categories, eye exams are not insured. The provincial health plan also includes coverage for certain tests provided by optometrists including the Full Threshold Visual Fields Test, the Tonometry Test and the Dilated Fundus Examination. Chiropractors Manitoba Health will insure a maximum of 7 visits per Manitoba resident per calendar year. The adjustment of the spinal column, pelvis and extremities are insured chiropractic services. Dental Surgeons Manitoba Health will insure certain dental procedures when hospitalization is required. ^ top of page Which hospital services are insured?You are insured for the following hospital services:
^ top of page What insured benefits are available to personal care home residents?The need for placement in a Manitoba personal care home is determined by an assessment panel authorized by Manitoba Health. If a Manitoba assessment panel determines that you require care in a personal care home and you meet the residency requirements, you may receive insured benefits. Some of these benefits include:
What are the costs for personal care home services? Everyone who lives in a Manitoba personal care home is required to pay a daily residential fee established by Manitoba Health. The cost of these services is shared by the provincial government (Manitoba Health) and the client who needs the services. Manitoba Health pays the majority of the cost through the regional health authorities. The personal care service client pays the other portion of the cost. This cost is a daily charge based on income. As prices go up, so does the cost of looking after clients who receive personal care services. Each year, the Manitoba government reviews the residential charges to adjust for increases in income and the cost of living. As a result, charges may increase from one year to the next. What if I don’t meet the residency eligibility requirements for personal care home services? If you formerly lived in Manitoba for 30 years or more you are eligible on the date you return to Manitoba as a permanent resident, after an absence of less than 10 years. If you are a newcomer to Manitoba, you are eligible after living in the province for 24 consecutive months. If a Manitoba assessment panel determines that you require care in a personal care home, you may be required to pay costs of $265.23 a day to cover services until your 24 month waiting period is completed. This waiting period requirement does not apply to a person who has been a resident of a province or territory of Canada for five consecutive years and immediately establishes himself or herself as a resident of Manitoba and registers for a Manitoba health card. These individuals are only required to pay the daily charge based on income once they receive a Manitoba health card. I have always lived in Manitoba. Am I eligible for personal care home services? If you have always lived in Manitoba, you are eligible for personal care home benefits. I'm new to Manitoba but have always lived in Canada. Am I eligible for personal care home services? Canadian residents from another province or territory of Canada where you have lived for five consecutive years but are new to Manitoba are eligible for personal care home benefits. To receive benefits, you must establish yourself as a resident of Manitoba and register for a Manitoba health card. Once you receive a Manitoba health card, you will only be required to pay the daily charge based on income. I’m returning to Manitoba and have been living outside of Canada for less than 10 years. Am I eligible for personal care home services? If you formerly lived in Manitoba for 30 years or more, after an absence of less than 10 years, you are eligible for personal care benefits on the date you return to Manitoba as a permanent resident. I’m returning to Manitoba and have been living outside of Canada for more than 10 years. Am I eligible for personal care home services? If you have been living outside of Canada for more than 10 years, you will be considered a newcomer to Manitoba. You will be eligible for personal care benefits after living in the province for 24 consecutive months. If a Manitoba assessment panel determines that you require care in a personal care home, you may be required to pay costs of $265.23 a day to cover services until your 24 month waiting period is completed. For more information on any of the above programs contact: Registration and Client Services Residents in Manitoba personal care homes are required to pay a daily residential fee based on income established by Manitoba Health. For details write or telephone: Residential Charge Program ^ top of page What health services are not insured?Services not insured include the following:
^ top of page If I need an ambulance, is it covered by Manitoba Health?Manitoba Health does not cover land ambulance transports to a hospital or health care facility. Patient costs in Manitoba are currently $250. Patients may have coverage for ambulance transport through private insurance for some or all of this cost. Manitoba Health will cover medically-necessary land ambulance inter-facility transports when a patient is being transported between designated health-care facilities for diagnostic tests or treatment, or from a more specialized level of care to another facility closer to home for rehabilitation or recovery. Eligibility criteria for coverage of inter-facility medical transports includes:
In addition, patients are not eligible for funding under the Manitoba IFT program if one of the following applies:
Out of Province Transport of ManitobansIf you require an ambulance while out of the Province there are no subsidies/coverage from the Manitoba government. You will be charged by the ambulance service/company that provides the service at full cost recovery. The rate for out of province ambulance service may be substantially higher than rates charged local residents, as local subsidies will not apply. A Manitoba ambulance may transport you if you require routine medical care in a bordering province to a neighbouring provincial facility. Ambulance costs would be billed at local Manitoba rates. Manitoba Physicians in border areas should be aware that referrals to neighbouring provinces may have significant financial consequences to you, the patient. Should the physician in the bordering hospital elect to refer you for specialized care within that province, you would be subject to the full cost recovery fee charged by that Province at a non-resident rate for transport. Transportation costs from out of province hospitals are not an insured service. Air Ambulance TransfersAir ambulance transfers may be an insured service in one of three ways:
Physicians are encouraged to contact Manitoba Health Out-of-Province claims or Lifeflight prior to referring any patient to an out of province hospital. ^ top of page Am I eligible for the Northern Patient Transportation Program?You may be eligible for northern transportation subsidy to help pay for transportation costs if you live north of the 53rd parallel in Manitoba and are required to travel long distances for specialty medical care. The Northern Patient Transportation Program (NPTP) subsidizes medical transportation costs for eligible Manitoba residents in the north to obtain medical or hospital care not available in their home community. Subsidies may include costs for an essential escort (ex: if required for a minor or a person with disabilities). Program eligibility is limited to Manitoba residents who live:
Travel must be approved a physician and meet program eligibility. Patients who have coverage from an insurer or funder are not eligible for this medical travel subsidy. Examples include:
To process a transport request or for questions about the program, please contact your local office:
^ top of page I will be travelling outside of Manitoba. What do I have to do to maintain my Manitoba Health coverage if I will be temporarily residing outside of Manitoba or Canada for an extended period, and plan on returning to reside in Manitoba? (Example: Extended vacation or travel):If you are planning to reside outside of Manitoba for an extended period for the purposes of vacation or an extended travel leave, you can be absent from the province for up to seven months and remain eligible for Manitoba Health coverage. To ensure that you continue to have uninterrupted coverage from Manitoba Health coverage during your extended absence, you should report any expected absence of 90 days or more in a 12-month period to Manitoba Health prior to your departure. You can notify Manitoba Health by providing the following prior to your departure:
Additionally, if you wish to apply for a Temporary Out-of- Province Registration Certificate to ensure uninterrupted coverage during your stay outside of the province (and limited coverage for out-of country medical and hospital services), you may complete a Request for Temporary out-of-Province Benefits form. Please note: Manitoba Health recommends that you explore private insurance options along with your Manitoba Health coverage to ensure that you have sufficient coverage for all of your health care needs while out of the country. Please see the section titled What happens if I need to see a doctor or receive medical attention while away? for information respecting out-of-province and out-of-country coverage. I’m a student. What do I have to do to maintain my Manitoba Health coverage if I study in another province, territory, or country, and plan on returning to reside in Manitoba?Any Manitoba resident who leaves the province temporarily to attend an accredited educational institution is eligible, provided the following requirements are met. If you are a Manitoba resident leaving the province to attend school on a full-time basis, the following must be provided to Manitoba Health prior to your departure:
Once Manitoba Health receives the above mentioned documents, a Term Registration Certificate confirming your eligibility during your absence will be sent to you. Moving for a temporary employment opportunity, and plan on returning to reside in Manitoba:If you are employed outside of Canada with plans to return, you must provide Manitoba Health with a copy of your work contract that indicates the length of your work term. If you intend to return to Manitoba, Manitoba Health may extend your coverage for up to 24 months. NOTE: If you plan on taking your spouse or children with you, please inform Manitoba Health to ensure their continued coverage. What happens if I need to see a doctor or receive medical attention while away?In Canada: Outside Canada: Manitoba Health provides coverage for emergency medical services received out of the country at the rates paid in Manitoba. Out-of-country emergency hospital services are paid at a per diem rate as set out in Manitoba’s provincial regulations. Please note that these payments may not provide full coverage of the amount charged by the foreign facility, and any balance owing to the foreign physician or facility will be your responsibility. For more information regarding out-of-province benefits you can visit Manitoba Health’s Out-of-Province webpage at www.gov.mb.ca/health/mhsip/leavingmanitoba.html. If you have obtained a Term Registration Certificate prior to your departure, Manitoba Health will provide coverage for medically required non-emergency medical services received out of the country at the rates paid in Manitoba. Out-of-country hospital services in relation to medically required non-emergency medical services will be paid at a per diem rate as set out in Manitoba’s provincial regulations. Please note that these payments may not provide full coverage of the amount charged by the foreign facility, and any balance owing to the foreign physician or facility will be your responsibility. Submit your original receipt to Manitoba Health for consideration of payment. You will be reimbursed according to the rate which would have been paid had the same care been received in Manitoba. NOTE: Manitoba Health Health recommends that you explore private insurance options in addition to your Manitoba Health coverage to ensure that you have sufficient coverage for all of your health care needs while out of the country. Where can I send/drop off my application for a Term Registration Certificate?If you are planning on moving away from Manitoba temporarily, or taking an extended vacation, and wish to apply for continued health coverage, please contact Manitoba Health at: Registration and Client Services Unit ^ top of page What if I have to see a doctor while in another province?Manitoba has agreements with all Canadian provinces (except Quebec) to allow physicians to bill your provincial health plan, although some physicians may choose to bill you directly. If you are admitted to an approved hospital anywhere in Canada, Manitoba Health will pay the standard rate. Because some services are excluded, you are encouraged to obtain additional health insurance before travelling. Contact Manitoba Health for more information. Note: You must show your Manitoba Health card to the doctor or hospital. ^ top of page Am I covered for emergency care outside of Canada?Doctor Bills Manitoba Health will pay for emergency doctors’ services outside of Canada at a rate equal to what a Manitoba doctor would receive for a similar service. Hospital Bills You may be charged more than the amount paid by Manitoba Health for services provided outside Canada. The difference above the covered amount may be substantial and is your responsibility. Bring or mail your original bill to the Out-of-Province Claim Section at Manitoba Health within 6 months of receiving care. If you have made payments on your bills, Manitoba Health requires a receipt showing the amount paid. If you do not include your receipt, Manitoba Health will pay the hospital or doctor directly. For more information contact: Manitoba Health ^ top of page I'm moving away from Manitoba permanently. Am I still covered by Manitoba Health?If you are leaving Manitoba permanently, you should apply to the Registration and Client Services Unit for an Out-of-Province Certificate. The terms of your coverage may be one of the following:
If you are planning on moving permanently away from Manitoba, and wish to apply for continued health coverage, please contact Manitoba Health at: Registration and Client Services Unit Manitoba residents are encouraged to submit requests to Manitoba Health via email, fax, and mail.
If in-person service is required, one person per household to attend the office is preferred. ** Now available** A secure drop off box located in the office at 300 Carlton St. for Manitoba Health Registration forms and supporting documents, requests to make changes to the health card and Pharmacare applications. ^ top of page The Manitoba Health Services Insurance Plan is financed from general revenues of the Province of Manitoba and with funds provided by the Government of Canada. All statements are subject to the provisions of The Health Services Insurance Act and Regulations. Insured
Benefits Branch Phone Numbers: Residents within the province from outside Winnipeg: Manitoba Pharmacare Program: Health Care Abuse/Fraud Line: Is Your Question Still Not Answered? Residents should carry their registration certificate (Manitoba Health card) at all times to present when they or their dependants require health services. What are the 4 parts of a personal auto policy?It may include liability, medical payment coverage, comprehensive, or collision coverage, depending on your policy. A personal auto policy is insurance on your personal vehicle. It may include liability, medical payment coverage, comprehensive, or collision coverage, depending on your policy.
What are the six parts of the personal auto policy?The PAP is divided into the following six parts: liability coverage, medical payments coverage, uninsured motorist coverage, physical damage coverage, duties after an accident or loss, and general provisions. Below is an explanation of each part.
What are the three major parts of a personal auto policy?Most auto insurance policies contain three major parts: liability insurance for bodily injury, liability insurance for property damage and uninsured/under-insured motorists coverage.
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Which of the following is not eligible for coverage under the personal auto policy?
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