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Contribution Requirements for the Quebec General Prescription Drug Insurance Plan

News Release

This communiqué concerns you if you have plan members residing in Quebec.

From July 1, 2013 to June 30, 2014 the amount of deductible, coinsurance and maximum annual out-of-pocket for the Quebec General Prescription Drug Insurance Plan (RAMQ) will remain the same. As for the annual premium, it increases from $579 to $607.

  Before July 1, 2013  As of July 1, 2013 
 Monthely deductible $16.25 $16.25 
 Coinsurance 32%  32% 
 Maximum annual out-of-pocket         $992 $992
 Annual premium $579

As of January 1, 2014, the eligible maximum that can be applied to smoking cessation products under the RAMQ will be as follows:

  Before January 1, 2014  As of January 1, 2014 
 Monthely deductible $725 $700 

Impact on Industrial Alliance Group Insurance Plans

The legislative changes do not require an amendment to your group insurance contract, since the coverage provided is at least as generous as the public drug plan. In addition, our group contracts stipulate that “any modification to the Act respecting prescription drug insurance which relates to the basic prescription drug insurance plan will also modify the relevant provisions of the present contract”. As a result, your drug benefit is now adjudicated on the basis of the new parameters of the public drug benefit, effective July 1, 2013. Furthermore, the eligible maximum with regard to smoking cessation products will be revised as of January 1, 2014.

Please contact your benefits advisor or your Industrial Alliance group account executive for further information.