Question

Your organization currently has operations in Ontario, New Brunswick and Alberta. The organization is planning on expanding into the provinces of Manitoba and British Columbia within the next six months. The Manager of Finance has asked you for information on the health care funding methods used in those two provinces.

Prepare a memo providing information on how health care is funded in each jurisdiction, how it is calculated, reported and remitted and what the impact on payroll would be, if any.

Answer 1

Prepare a memo providing information on how health care is funded in each jurisdiction- Province – Manitoba

Manitoba’s heath care system is a board network of services and programs. It is publicly funded, which means that non one has to pay for necessary medical and hospital services . The actual service are delivered through local regional health authorities. , which are five agencies set up by the province to meet the needs of Manitobans.

What does it cover under RHA – It will cover Health coverage allows individual and individual dependent to see a doctor , get a prescription, visit hospital emergency room

Eligible – To be eligible for health coverage – must consider following points :

1. To be Canadian Citizen
2. Be a permanent Resident
3. Be work permit holder
4. Establish permanent resident at Manitoba
5. Reside physically in Manitoba for 6 months each calendar year

For new comer , need to present IRCC documents along with a completed Manitoba heath Registration Form.

Manitoba health Card – paper card that is issued as a registration certificate .

Health care option – any one can consult health care professional whenever needed. They have created One call centre number ( 24*7) for free. However in case of heart attack, major trauma, severe head injury , any one can call 911 ( Urgent care and Emergency)

Important and excellent part is – If any one do not have a family doctor , they can go to : Quick care Clinic” for immediate support .

Pharmacare – This process protects Manitoba from High drug cost . It provides assistance by paying part of individual prescription cost

Important to highlight about “ What costs are covered if any one approved for treatment outside Manitoba ? –

In Canada – Doctors Bills – The Manitoba Government has made an arrangement with all other Canadian provinces and territories ( other than Quebec) to directly send bills for medical care to Manitoba health    

Also Hospital Bills – similar arrangement relates to Hospital care also

In the United States – Doctor Bill – at the same rate Manitoba doctor would receive for similar service

Hospital Bill – up to 75% of insured hospital Service

Health care system in British Columbia – British Columbia ( B.C) medical service plan is a health insurance plan that pays for medically required services of physician and surgeon and for dental or oral surgery when medically required to be performed in a Hospital.

Resident of B.C are eligible and are required to enrol themselves and their dependent with MSP.

BC resident must pay premium ( fees) for MSP coverage . These premium based on Family size and Income

Important point to note – In case of Low income or any one facing temporary financial hardship , individual may be eligible for premium assistance to reduce or eliminate individual monthly MSP premiums for a certain period

Medical Service Only ( MSO) – MSO provide time limited health benefits , such as :

1. Free MSP coverage
2. Pharmacare coverage with No deductable
3. Basic dental and Optical
4. Other approved medical support

B.C pharmacare helps BC resident with the cost of eligible prescription drugs, certain medicine supplies, Pharmacy services . it provides assistance through several drug plans. The largest is the Income based Fair Pharmacare Plan .

For most pharmacare plans , individual must be actively enrolled in the Medical services plan ( MSP)

Funded in Health care – Canada has a Publicly funded medicare system. With most service provides by private sector .

Canada has known as a single prayer system , where basic service provides by doctor ( private) ,      

With the entire fee paid for by Government at the same rate . Most Government funding comes from the provisional level. Most family doctor receive a fee per visit. Most of hospital are independent institutional incorporated under provincial corporation Acts as required by law to operate with their Budget

In 2009, the government funded about 70% of Canadian healthcare cost