Since 1997, prescription drug insurance coverage has been compulsory for all Quebecers. Two types of insurance plans offer this coverage:
- private plans, often available through employment;
- the public plan, administered by the Régie de l'assurance maladie du Québec.
Make sure you're covered by the right plan
Everyone who has access to a private plan must join the plan. All others must register for the public plan. It is up to you to make sure you are covered by the right plan.
The Public Prescription Drug Insurance Plan is a government insurance plan offering basic prescription drug coverage. It was set up in 1997 to cover all Quebecers who have no access to private group insurance.
The Public Prescription Drug Insurance Plan is administered by the Régie de l’assurance maladie du Québec.
Ever since the public plan was created, all Quebecers, regardless of their financial situation, have had reasonable and equitable access to the prescription drugs they need.
The Public Prescription Drug Insurance Plan is intended for:
- persons who do not have access to a private plan;
- employment assistance (welfare) recipients and other holders of a claim slip (carnet de réclamation);
- persons who are aged 65 and over;
- children of persons covered by the public plan
Persons under age 65 who have access to a private plan are not eligible for coverage under the public plan. They must take out coverage under the private plan to which they have access.
Clearly the proposed private group insurance plan is superior to the public plan offered by la Régie d’assurance maladie du Québec respecting the LAW ON MEDICATION INSURANCE L.R.Q., chapitre A-29.01
Proposed Group insurance plan (private *) |
R.A.M.Q. Public plan Info: (514) 864-3411 www.ramq.gouv.qc.ca |
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Protection offered by |
Private plan |
Government Public plan |
| Medication Insurance (obligatory in Québec since 1997) L.R.Q., chapitre A-29.01 |
The General Prescription Drug Insurance Plan covers medications bought in Quebec, which are included on the List of Medications published by La Régie only. Pharmacists are aware of this list. Other eligible medication : CAPSS deferred Service: It is MANDATORY to register your spouse and dependent children if they are not yet insured under a group insurance plan. |
The General Prescription Drug Insurance Plan covers medications bought in Quebec, which are included on the List of Medications published by La Régie ONLY. Pharmacists are aware of this list. It is MANDATORY that you register your spouse and dependent children! |
| Ambulance including air transportation | YES, eligible expenses are 100% refundable with no deductible. Ambulance transportation expenses, including air transportation in an emergency. |
Not included ! |
| Travel insurance | YES, it is included (see brochure for more details). The insured may obtain assistance worldwide, 24 hrs a day, 365 days a year, up to a $ 1,000,000 lifetime refund limit per insured | Not included ! |
| Trip Cancellation Insurance | YES, it is included (see brochure for more details). Coverage is set at a maximum of $ 5,000 per insured, per trip. |
Not included ! |
| Life Insurance | YES, it is included (see brochure for more details). Participant under age 65: $ 10,000 Spouse: $ 5,000 Dependent child: $ 2,500 |
Not included ! |
| Legal access Insurance | YES, it is included (see brochure for more details). The maximum indemnity is $1,000 per year of insurance, per succession |
Not included ! |
| Franchises (deductible): | Individual : $ 100 Family : $ 200 |
$ 169.20 |
| Reimbursements (co-insurance): | 75% |
70% |
| Individual rate (premium) : As at July 2007 |
Approximately equal to that of the RAMQ (Quotes available upon request) |
$ 10.71 per week $ 557.00 per year Deducted from your Income Tax return. |
| Family rate (premium) (children included): As at July 2007 |
Approximately equal to that of the RAMQ (Quotes available upon request) |
$ 21.42 per week $ 1,114.00 per year Deducted from your Income Tax return. |
Optional coverage: HEALTH INSURANCE (4), ADDITIONAL LIFE INSURANCE (5), DENTAL INSURANCE (6), SHORT TERM DISABILITY INSURANCE (7) AND LONG TERM DISABILITY INSURANCE (8). See brochure for more details* Advantage 2/9 from La Capitale is especially designed for small businesses or professionals with 2 or more employees, provided they’ve been operating over a year and are open at least 9 months a year.