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Normandin Beaudry

White Paper - A Solution for Private Drug Plans

In recent years, private drug plan sponsors have been faced with a serious issue: an increase in the number of covered individuals claiming very expensive drugs for several years. The impact on private plans is significant and is even threatening their sustainability.

This document aims to spark a discussion on the way in which high cost drugs reimbursed by private plans are underwritten by insurers, ensuring appropriate protection for sponsors and covered individuals. We propose an alternative that could be a lasting solution to the issue of high cost drug claims: underwriting the risk associated with high cost drugs in the same way as the risk associated with long-term disability benefits is underwritten.

Whether or not it is ultimately adopted by our industry, discussions will most definitely generate constructive ideas.

 Read the white paper in French here                                         Read the white paper in English here
(PDF, 686 KB)                                                                             (PDF, 635 KB)