Canada has a national health insurance scheme.
It has four insurance companies, the Ontario Health Insurance Corporation, the Canadian Pension Plan Investment Board, the Provincial Employees’ Retirement System, and the Canada Health Insurance Plan (CHIP).
It also has two separate health insurance companies for the federal government, the Health Accord and the Ontario Public Health Fund (OPHF).
The government has three health insurance plans, the National Health Insurance Scheme (NHIS) and the National Pension Plan (NPPP).
The NHIS covers the majority of the population and pays for healthcare.
The NPPP covers the province and territories and is managed by the Ontario Retirement Pension Plan.
Ontario has one plan for everyone, the Plan B, and two plans for people with low income, the Nova Scotia Pension Plan and the Nova Scotian Pension Plan, respectively.
Both plans are managed by government bodies: the Ontario Pension Plan Commission (OPPCC) and Nova Scotia Retirement Savings Plan (NSRSP).
Both of these plans are funded by the government.
The NSRSP covers people over the age of 65.
Ontario Health Accord coverage is divided among about 100,000 Ontarians, with the government paying most of the premiums.
Nova Scotia has a different system: the Nova Plan, which covers everyone over the same age and who is at least 65.
Nova Scotians get a second plan called the Nova Advantage Plan, and Nova Scotese get the Nova Health Plan.
Nova Health covers people with less than $100,000 of income.
The Ontario Health Plan covers people who make less than the provincial median.
The Nova Advantage plan covers people making more than the median.
People who qualify for provincial health plans get a special, lump-sum payment called a supplementary health benefit.
NovaCare is a health insurance program for people aged 55 and over who live in the province.
People in the NovaCare system pay monthly premiums.
They also get some financial help.
People enrolled in NovaCare are entitled to financial help through the NovaShare Health Benefit.
NovaShare is a private insurance plan for the province of Nova Scotia.
It’s managed by a provincial government agency called the Department of Health and Long-Term Care.
People can get NovaShare benefits if they meet certain requirements, like paying their share of premiums.
You can read more about NovaShare here.
The provincial government pays a portion of your premium to the Ontario Insurance Corporation (OIC), which also helps pay for NovaCare.
OIC pays the rest of the cost of the plan, which is typically between $3 and $4 per month for a single person.
In 2018, NovaCare benefits were set to increase from $7.20 per month to $9.50 per month.
The government is also paying the Nova share of the Nova Share Health Benefit, which increases every two years.
It is a subsidy for people in Ontario to help pay for healthcare that they may not otherwise have access to.
The cost of NovaShare varies depending on where you live.
In the Lower Mainland, NovaShare coverage is about $2 per month per enrollee.
In Quebec, the program is about half the cost, at $3 per month, per enrolle.
In Nova Scotia, it is a $7 per month premium for a person aged 65 and older.
There are two ways to access NovaShare.
The first is through the provincial government.
In 2019, Nova Health started offering its own health plan, called the Ontario Plan.
People have to pay a $10 annual premium to access it.
The plan is offered by the NovaHealth Health Benefit program, which provides financial assistance to NovaCare enrollees who qualify.
In 2020, the provincial Liberal government introduced a separate NovaShare plan for people 65 and over.
The program, called NovaCare Plus, offers a $15 monthly premium.
Novacare Plus is administered by the Ministry of Health, but is funded by taxpayers.
This plan covers enrollees over 65, who are able to choose their own insurance provider.
NovaSpa is another private health insurance plan, this one administered by Health Canada.
It covers enrollee 65 and above.
The rate is $12 per month and is available to all enrollees.
It was introduced in 2020 and covers everyone aged 65 or older who lives in Nova Scotia and the Atlantic provinces.
People are also eligible to use NovaSpan, a provincial health insurance subsidy program for eligible adults over 65.
There is a limit to how much they can earn on the NovaSpap plan, however, so they must also meet certain eligibility requirements to use the program.
There’s also an application process for people to be eligible for the NovaSPap program.
In 2016, NovaSpans premiums increased by $3 to $13.75 per month annually.
The province also increased the age to qualify for NovaSpam to 65 years and older from 62 years old to 65.