Affordable Health Insurance in Northwest Territories
NWT Health Care Plan handles your doctor and hospital visits in Northwest Territories. For the dental, vision, drug and paramedical costs it leaves out, compare private plans and get personalized quotes in minutes.
What the NWT Health Care Plan covers
Northwest Territories residents are covered by the NWT Health Care Plan for medically necessary physician and hospital care. It does not cover routine adult dental for most residents, so federal dental programs or private coverage fill that gap.
Federal coverage and carrier choice
A large share of Northwest Territories residents are covered for dental through the federal Non-Insured Health Benefits program for First Nations and Inuit, which pays for a range of services with no deductible or co-payment. For those residents private dental coverage often adds little. Residents not covered by that program and with lower incomes may instead qualify for the federal Canadian Dental Care Plan. The federal Canadian Dental Care Plan is the public backstop here: it covers eligible residents under the $90,000 family-income line who have no private dental insurance, and now spans all ages.
The NWT is one of the few places outside Alberta where Alberta Blue Cross sells individual coverage, alongside Canada Life, Manulife and Sun Life, so residents buying private plans have a regional option with its own orthodontic tiers.
Health Insurance Companies in Northwest Territories
Availability of insurance companies and their products can vary from one province/territory to the next. The following health insurance companies are available to residents of Northwest Territories:
Alberta Blue Cross
Canada Life
Manulife
Sun Life
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Health insurance in Northwest Territories: common questions
- How are many NWT residents covered for dental?
- A large share of Northwest Territories residents are covered for dental through the federal Non-Insured Health Benefits program for First Nations and Inuit, which has no deductible or co-payment. For those residents a private dental plan often adds little.
- Can I buy Alberta Blue Cross in the Northwest Territories?
- Yes. The NWT is one of the few regions outside Alberta where Alberta Blue Cross sells individual coverage, alongside Canada Life, Manulife and Sun Life, so residents have a regional option with its own orthodontic tiers.
- What if I am not covered by a federal program?
- Residents not covered by Non-Insured Health Benefits and with lower incomes may qualify for the federal Canadian Dental Care Plan. Others rely on private coverage, which helps budget for care that can involve travel to larger centres.
