Helping people save money on medical premiums

Knowing a few simple facts can actually make a very big difference in your life

What you don’t know about medical insurance might be costing you, but Nancy Anderson has good news she wants to help spread to as many people as possible.

“Many people are unaware of the premium assistance program for lower monthly payments through the provincial medical insurance,” she recently told The News.

The government, through Health Insurance B.C. (HIBC — formerly MSP), pays a portion of the monthly premium for low income households.

A family making $28,000 to $30,000 a year for example, receives a 20 per cent subsidy on the monthly premium of $64 to $128, depending on family size.

Anderson, who works in chiropractor Larry Smith’s office, adds there are deductions that can bring your net income down, meaning a couple over age 65, or a family of three, can earn up to $38,999 a year and still be eligible.

She regularly deals with people who are eligible but aren’t signed up because they don’t know about it, don’t think they are eligible, or think they are already signed up.

She points out PharmaCare, which helps with prescription drug costs, isn’t connected and people might be signed up for one — but not both.

People can also get up to three years of retroactive rebates and once you are signed up they automatically re-adjust your status annually.

One of the complications, she said, is that since the province de-listed (quit paying for) chiropractic, physiotherapy, massage therapy, naturopathic and podiatry in 2002, some people assume they can’t afford those services anymore.

But, Anderson said, premium assistance pays a portion of the cost of 10 visits a year to these “supplementary practitioners.”

People’s HIBC invoice, she said, should indicate whether individuals are paying the full rate or are already on assistance, which most medical practitioners can also check for people.

Anderson urges everyone, especially experts like accountants and medical professionals, to learn and pass on the details to their clients, which she said doesn’t appear to be happening.

Anderson and a pharmacist will speak on the subject at the Parksville Pharmasave, Tuesday, April 24 at 1 p.m.

She also has more information at her office, contact her at 250-248-6333, www.drlarrysmith.com or nankee@shaw.ca.

For more information, including the simple forms to apply, check www.hibc.gov.bc.ca or call 1-800-663-7100.

2012 premium assistance rates:

 

 

Adjusted net income Subsidy 1 person Family of 2 3+

 

$0 – $22,000 100% $0.00 $0.00 $0.00

$22,001 – $24,000 80% $12.80 $23.20 $25.60

$24,001 – $26,000 60% $25.60 $46.40 $51.20

$26,001 – $28,000 40% $38.40 $69.60 $76.80

$28,001 – $30,000 20% $51.20 $92.80 $102.40

Over $30,000 Full Rate $64.00 $116.00 $128.00

 

Just Posted

Morningstar Golf Club in Parksville will host the 2021 B.C. Junior Golf Championships. (PQB News file photo)
Morningstar Golf Club in Parksville to host 150 of B.C’s top junior golfers

Provincial boys and girls championship begins June 28

Hannes Grosse, left, and Iris Steigemann, right, as they prepared for their 'Moments of Silence' exhibit. The father-daughter duo are showing at The Old School House Arts Centre in Qualicum Beach until June 26. (Submitted photo)
Cortes Island artists exhibit at Qualicum Beach’s TOSH in first father-daughter show

Both artists will be present at shows on Friday, June 25 and Saturday, June 26

The Lighthouse Country Marine Rescue Society will get more funding from the Regional District of Nanaimo. (Submitted Photo)
More PQB communities to fund Lighthouse Country Marine Rescue Society

RDN to introduce amendment to service bylaw contribution

A slide on best practices when reporting a suspected impaired driver that was presented to Parksville city council on June 7 by Margarita Bernard, a volunteer with MADD. The organization’s Report Impaired Drivers campaign involves the installation of informative signs within the City of Parksville. (Mandy Moraes photo)
MADD brings campaign to report impaired drivers to Parksville

Aim is to raise awareness that 911 should be called

People line up to get their COVID-19 vaccine at a vaccination centre, Thursday, June 10, 2021 in Montreal. THE CANADIAN PRESS/Ryan Remiorz
Vaccines, low COVID case counts increase Father’s Day hope, but risk is still there

Expert says people will have to do their own risk calculus before popping in on Papa

Provincial health officer Dr. Bonnie Henry outlines B.C.’s COVID-19 restart plan, May 25, 2021, including larger gatherings and a possible easing of mandatory masks on July 1. (B.C. government photo)
B.C. records 120 new COVID-19 cases, second vaccines accelerating

Lower Pfizer deliveries for early July, Moderna shipments up

A Heffley Creek peacock caught not one - but two - lifts on a logging truck this month. (Photo submitted)
Heffley Creek-area peacock hops logging trucks in search of love

Peacock hitched two lifts in the past month

The Calgary skyline is seen on Friday, Sept. 15, 2017. THE CANADIAN PRESS/Jeff McIntosh
2 deaths from COVID-19 Delta variant in Alberta, 1 patient was fully immunized

Kerry Williamson with Alberta Health Services says the patients likely acquired the virus in the hospital

B.C. Public Safety Minister Mike Farnworth and Attorney General David Eby attend opening of the first government-run B.C. Cannabis Store, Kamloops, Oct. 19, 2018. (B.C. government)
B.C. government to allow home cannabis delivery starting July 15

Added convenience expected to persuade buyers to ‘go legal’

The first suspension bridge is the tallest in Canada, with a second suspension bridge just below it. The two are connected by a trail that’s just over 1 km. (Claire Palmer photo)
PHOTOS: The highest suspension bridges in Canada just opened in B.C.

The Skybridge in Golden allows visitors to take in views standing at 130 and 80 metres

BC Green Party leader and Cowichan Valley MLA Sonia Furstenau introduced a petition to the provincial legislature on Thursday calling for the end of old-growth logging in the province. (File photo)
BC Green leader Furstenau introduces old-growth logging petition

Party calls for the end of old-growth logging as protests in Fairy Creek continue

B.C. Premier John Horgan leaves his office for a news conference in the legislature rose garden, June 3, 2020. (B.C. government photo)
B.C. premier roasted for office budget, taxing COVID-19 benefits

Youth addiction law that triggered election hasn’t appeared

Most Read