Benefits, Health + Wellness

Prescription Drug Plans

Consider if a prescription drug plan could be a good choice for your health and budget.

Prescription Drugs

Five Plan Options for Prescription Drugs

If you live in Quebec, you and your dependents must have a minimum level of prescription drug coverage as required by provincial law. See the Benefits Guide for more details.

View Chart to Compare Your Options

Option 1

This option offers no coverage for any prescription drugs.

Deductible: N/A

The Plan Pays:

Preferred List of Drugs: No coverage
All Other Drugs**: No coverage
Maximums:
- Fertility Drugs: No coverage
- Smoking Cessation: No coverage

**Subject to mandatory generic drug substitution

Option 2

Deductible: Cost of dispensing fee

The Plan Pays:

Preferred List of Drugs: 20%
All Other Drugs**: 20%
Maximums:
- Fertility Drugs: $15,000 lifetime
- Smoking Cessation: $500 lifetime

**Subject to mandatory generic drug substitution

Option 3

Deductible: Cost of the dispensing fee

The Plan Pays:

Preferred List of Drugs: 75%
All Other Drugs**: 55%
Maximums:
- Fertility Drugs: $15,000 lifetime
- Smoking Cessation: $500 lifetime

**Subject to mandatory generic drug substitution

Option 4

Deductible: Cost of the dispensing fee

The Plan Pays:

Preferred List of Drugs: 85%
All Other Drugs**: 65%
Maximums:
- Fertility Drugs: $15,000 lifetime
- Smoking Cessation: $500 lifetime

**Subject to mandatory generic drug substitution

Option 5

Deductible: N/A

The Plan Pays:

Preferred List of Drugs: 95% to an annual out-of-pocket maximum* than 100% for the balance of the year
All Other Drugs**: 75%
Maximums:
- Fertility Drugs: $15,000 lifetime
- Smoking Cessation: $500 lifetime

*The annual out-of-pocket maximum in Option 5 depends on the coverage level you select. It is $750 for employee only, $1,500 for an employee plus 1 dependent, or $2,250 for employee plus 2 or more dependents. For example, if you elect Option 5 and employee only coverage, the option will pay 95 percent of your prescription drug expenses on the preferred list and you will pay 5 percent until you have spent $750 in one year. Then the option will start to reimburse you 100 percent.

**Subject to mandatory generic drug substitution

Pocketpills

Get a pharmacy on your phone. Pocketpills is Canada’s leading online pharmacy. Through an easy-to-use app and website, you can order medication, schedule refills, and free delivery, and consult with pharmacists—all from the comfort of home. Visit app.pocketpills.com to get started.

Things to Think About

Dispensing fees are determined by individual pharmacies and can range widely. Since you pay the dispensing fee (except in Option 5), you should shop around to get the best price in your area.
Mandatory generic drug substitution means that when you have a prescription filled, the pharmacist will dispense the lowest-priced equivalent (usually the generic) version of the drug. You can still purchase the higher-priced drug, but you will be responsible for paying the difference between the two drugs.

View Detailed Benefit Guide for more information.