Contribution Requirements for the Quebec General Prescription Drug Insurance Plan

Communiqué

Effective July 1, 2015, the contribution requirements for the Quebec General Prescription Drug Insurance Plan were changed as indicated in the following table:

Before July 1, 2015

As of July 1, 2015

Monthly deductible

$16.65

$18

Coinsurance

32.5%

34%

Maximum annual out-of-pocket

$1,005.96

$1,029

Annual premium

$611

$640

The eligible maximum applicable to smoking cessation products under the RAMQ will be the same in 2016:

Before January 1, 2016

As of January 1, 2016

Maximum eligible amount

$700

$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, 2015. The eligible maximum with regard to smoking cessation products will be the same in 2016.

If you have any questions or concerns regarding this communiqué, please contact your benefits advisor or your Industrial Alliance group account executive.