Low income health insurance

The Alberta Adult Health Benefit program covers health benefits for Albertans in low-income households who are pregnant or have high ongoing prescription drug needs. This health plan includes children who are 18 or 19 years old if they are living at home and attending high school.

Your children may be eligible for free health benefits through the Alberta Child Health Benefit program.

This program provides coverage for:

dental care
prescription drugs
eye exams and glasses
essential diabetic supplies
emergency ambulance services
essential over-the-counter medications
Coverage through other benefits plans
If you or other household members have coverage through another health benefits plan, you must use that plan first. The Alberta Adult Health Benefit plan may cover your remaining costs. Talk to your doctor, dental provider, optician or pharmacist about how this works.

Clients leaving the Income Support or Assured Income for the Severely Handicapped (AISH) programs may be eligible for health benefits coverage if they have household income from employment, self-employment or Canada Pension Plan Disability (CPP-D) benefits.

What’s covered
Dental care
Basic services like extractions, fillings and dentures
Preventative care like x-rays, examinations and teeth cleaning are also covered
Eye exams and glasses
An eye exam and eyeglasses for adults every 2 years
Eye exams and eyeglasses each year for dependents up to 18 years of age
Prescription drugs
Many prescription drugs are fully covered
Some over-the-counter products, such as prenatal vitamins for expectant mothers and children’s vitamins are also provided
Your family doctor or pharmacist has a list of what is covered under this health benefit plan
Coverage is summarized in the:
Drug Benefit List
Drug Supplement List
Ambulance services
Emergency ambulance trips to the nearest hospital
Diabetic supplies
Diabetic supplies such as injection supplies, testing strips, lancets and penlets
Talk to your doctor, dental provider, optician or pharmacist to learn what is paid for by this health benefit plan.

Eligible applicants
You may be eligible if you:

are pregnant
have high ongoing prescription drug needs
are a refugee or refugee claimant who is not receiving health benefits from any other source
are leaving the Income Support or Assured Income for the Severely Handicapped (AISH) programs due to excess income from employment, self-employment or CPP-D benefits
To be eligible for the Alberta Adult Health Benefit, you and members of your family must:

live in Alberta
be Canadian citizens or have permanent resident status in Canada
not be receiving health benefits from other government programs
meet the income guidelines below
Your total net household income must fall below these maximum income guidelines based on family size.
There is little doubt that Canada has one of the most comprehensive health care systems available to its residents. With nearly every medical service provided for residents through a publicly funded Medicare-type system, access to basic health care is afforded to every individual. The cost for this insurance is nothing, although the system is funded through income tax; in this way, every Canadian is contributing to the national health care system.

However, not all services are covered by the basic free health care services offered. Although things such as maternity and infertility are covered, things like dental care or optometry care are not covered. In addition, there is no free prescription drug program. All of these items (and more) are considered out of pocket expenses for most Canadians. Many people are covered by supplemental health plans that are purchased on an individual basis or are offered through their employer. These plans can help alleviate the cost for some of the services that are not provided through the national system. In addition, there are pharmacy plans available to help defray the cost of medications.

Low Income Health Insurance

Options For Low Income Canadians
Even though Canada is well known for the quality and the price of their health care system, there are those who are still unable to afford the supplemental plans that help alleviate some of the costs associated with services that are not covered. For these low income individuals or families, there are different options available to help with these expenses.

Free Health Insurance Quote
Family Health Benefits: This is a program designed to help families who cannot afford to purchase supplemental plans. Qualification is determined by income, and things such as eye exams and glasses are covered for children. So is dental care as well as medication.
Income Supplements: This is a program available for low-income people over the age of 65 that supplies medications with a low semi-annual deductible and a small co-pay.
Special Support Programs: This is another type of program that will help qualified families pay for their medications. To be eligible, medication costs must be higher than the family’s ability to pay, relative to how much income they bring in.
Senior Citizens with Low Income
In addition to the above mentioned assistance for low-income Canadians, there are also a variety of supplements that are available to senior citizens whose income is below a certain amount. In addition to assistance with medical services that are not covered by the basic health plan, certain senior citizens can qualify for prescription drug assistance that guarantees no prescription drug, regardless of the price, will cost more than a certain amount of money.

As mentioned earlier, the Canadian health care system is considered free by most residents, even though it is funded through income tax. However, since there are certain services that are not covered by the national health plan, low-income residents can still be covered for such services even if they cannot afford a supplemental plan or are not working for a company that offers it.