Nova Scotia Health Insurance Program

The Nova Scotia Health Insurance Program covers standard ward room accommodations for hospital stays. Medically necessary services are included in the coverage, while upgrades to private or semi-private rooms require an additional payment.

The Seniors' Pharmacare Program in Nova Scotia provides drug coverage to residents aged 65 and older, who do not have coverage through another plan. Participants pay an annual premium and a co-payment at the pharmacy. The Family Pharmacare Program offers drug coverage for residents under the age of 65 who also do not have other drug coverage. Both programs cover prescription drugs listed on the provincial formulary, and exceptions may apply. Nova Scotia’s Biosimilars Initiative ensures only biosimilar versions of eligible drugs are covered.

Residents under the age of 9 or over the age of 65 are covered for one routine eye exam every two years. Prescription glasses and contact lenses are not covered. Residents can seek additional coverage through private insurance or other available programs.

Basic dental coverage is available for children 14 and younger, including yearly checkups, cleanings, and fillings. Dental services for residents 15 and older are not covered under the Nova Scotia Health Insurance Program, though private insurance may offer additional coverage.

Chiropractic, podiatry, naturopathy, massage therapy, and osteopathy services are not covered under the Nova Scotia Health Insurance Program. Physiotherapy is covered, but only if provided in a hospital setting.

Hearing aids are not covered under the Nova Scotia Health Insurance Program; residents must rely on private insurance or pay out of pocket for hearing devices and related repairs. Limited coverage is available for arm and leg prostheses, as well as mastectomy prostheses, for residents who meet specific medical and eligibility criteria.

In Nova Scotia, ambulance coverage is provided for transportation between approved medical facilities for residents with a valid health card. For other situations, such as emergency responses, residents are required to pay a flat fee. Coverage for air ambulance services may also be available under specific medical conditions.

Nova Scotia’s Home Care Program offers a variety of services in the home, including personal care, nursing, and rehabilitation, based on assessed needs. The cost of services is partially determined by your income, and coverage includes a broad range of home and community care for those who qualify.

Nova Scotia residents are covered for emergency in-patient hospital services while outside the country, subject to a daily maximum plus a percentage of ancillary fees incurred. Physician fees related to accidents or sudden illnesses during a temporary absence are covered based on Nova Scotia rates. Out-patient services are not covered.

There is no coverage for accidental death and dismemberment under the Nova Scotia Health Insurance Program. Private insurance is recommended for those seeking this type of coverage.