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Prescription drug insurance national : provincial plans ignored, according to the Fraser Institute


Justine Montminy

October 16, 2018 11:30

Photo : Rawpixel

According to a new study from theFraser Institute, few Canadians know that each province already offers prescription drug insurance to allow access to certain vulnerable people. These blankets are rarely mentioned says the Institute.

“Most of the discussions on a possible national insurance drugs seem to presume that there are not already government assistance to Canadians who need access to medication, but this is simply untrue,” said Bacchus Barua, assistant director of studies on the health policies of the Fraser Institute and co-author of drug coverage, provincial for vulnerable Canadians.

A using already present

The study summarizes the provincial prescription drug insurance offered by the country and reveals that the elders, low-income persons and those receiving social assistance have access to prescription drugs paid for in whole or in part by the provincial governments.

The provincial governments of the country also provide drug insurance to some people who are facing major difficulties due to the cost of their medical care. Other factors, such as the handicapts heavy and chronic diseases, such as multiple sclerosis and cystic fibrosis, are also taken into consideration.

Provincial plan in Quebec

In Québec, residents who are not covered by a private plan of group insurance must subscribe to the prescription drug insurance Plan of the government (RAMQ).

“The participating families must pay a monthly premium that ranges from $ 0 – $ 616 $ depending on their family income. Patients must first pay out of pocket a deductible of 19,90 $ for their drugs, after which they pay only 34.9% of cost of eligible drugs up to a monthly maximum of 90,58 $ (all costs subsequent are covered) “, one can read in the report.

The premiums and deductibles, and the portions, are eliminated in the case of several groups, including persons on social assistance, children under the age of 18 years, full-time students and persons with a functional disability.

Customization of plans

According to the Fraser Institute, the provinces are able to adapt their drug insurance plan based on their own needs. There are fears that a national system to pay single put an end to this customization.

“Instead of establishing a health insurance plan that mimics our rigid system of health care, we should rather try to understand the gaps that exist between the provincial plans and to direct the resources to the Canadians who need help,” says Yanick Labrie, a senior fellow of the Fraser Institute who specializes in the economics of health and medicine.

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