Prescription Drugs

Prescription drug coverage helps pay for medications prescribed by a licensed physician or specialist. Generally, plans cover:

• Medications listed on a provincial formulary (coverage may vary depending on the insurer).
• Maintenance medications for chronic conditions (e.g., diabetes, asthma).'
• Injectable medications that may require special handling or administration.
• Specialty drugs prescribed for complex or rare conditions (coverage may have caps or additional requirements).
• Coverage often applies to the cost of medication, dispensing fees, and other pharmacy service fees.
• Many plans include deductibles, co-payments, or annual maximums, with coverage often ranging from 70% to 100% of eligible expenses.