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The Great-West Life Assurance Company, London Life Insurance Company and The Canada Life Assurance Company have become one company – The Canada Life Assurance Company. Learn more

The Great-West Life Assurance Company, London Life Insurance Company and The Canada Life Assurance Company have become one company – The Canada Life Assurance Company. Learn more

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Freedom 55 Financial is a division of The Canada Life Assurance Company and the information you requested can be found here.

The Nova Scotia Medical Services Insurance (MSI) Plan is the provincial plan for all Nova Scotia residents. It provides coverage for most of your basic healthcare.

To qualify, you must be a Canadian citizen or permanent resident that makes his or her home in Nova Scotia. You must also be in the province for 183 days each year and register with MSI. Certain exceptions apply.Opens a new website in a new window

What’s covered with MSI
Prescription drugs

The Seniors’ Pharmacare Program covers those over 65 who live in Nova Scotia with a valid health card. You can’t have any other coverage from another plan and must pay an  annual premium, as well as a co-payment to the program or at the pharmacy.Opens a new website in a new window

 

There is also a Family Pharmacare Program that covers those under 65. Similar rules apply for eligibility as the program is available to Nova Scotia residents with a health card that do not have any other coverage. There are some exceptions.Opens a new website in a new window

Ambulance

The province pays the cost of transportation between approved facilities for Nova Scotia residents with a health card. In other instances, you will be charged a flat fee.

Learn more about ambulance service billing information.Opens a new website in a new window
Dental benefits Basic coverage like yearly checkups, cleanings and fillings are available to those under the age of 14.Opens a new website in a new window
Vision care

Residents under the age of 9 or over 65 are covered for 1 routine eye exam every 2 years. No coverage available for glasses or contact lenses.

Learn more about eye exam coverage.Opens a new website in a new window
Hospital You’re covered for standard ward rooms only. Learn more about hospital stays.Opens a new website in a new window
Paramedicals

Chiropractic, podiatrist, naturopath, massage therapy or osteopath services are not covered. Coverage available for physiotherapy if provided at a hospital.

Learn more about paramedical coverage.Opens a new website in a new window
Hearing aids and medical supplies

No coverage available.

Nursing benefits and home care Home care coverage varies by need and costs are based on your income. If you qualify, the Home Care program provides coverage for a variety of services in your home and community. Opens a new website in a new window

Medical supplies

Some coverage is available for arm and leg prostheses and mastectomy protheses for those that meet eligibility criteria. Learn more about medical supply coverage. Opens a new website in a new window 

Accidental death and dismemberment

No coverage available. 

Out of country

There is coverage for emergency in-patient services with a daily maximum plus a percentage of ancillary fees incurred. Doctor fees covered due to an accident or sudden illness during a temporary absence from the country based on Nova Scotia rates.

No coverage for out-patient services.

Learn more about out of country services.Opens a new website in a new window

Personal health insurance can help supplement your coverage where you need it most.

Government health coverage varies from province-to-province. Let’s build a plan so you and your family are protected.

These highlights from the Nova Scotia Medical Services Insurance Plan are for general reference only and are subject to change, corrections and updates. Other government programs may also be available. For more information on the latest coverage details, contact:

Department of Health and Wellness

P.O. Box 488
Halifax, NS B3J 2R8
Phone: 902-424-5818
Toll-free in Nova Scotia: 800-387-6665 
TTY/TDD: 800-670-8888
Nova ScotiaOpens a new website in a new window

 

Last updated: March 2021