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Normandin Beaudry

Changes to the Quebec Prescription Drug Insurance Plan


There, in black and white

NB Bulletin Vol. 8 N. 10, July 2005

On June 20, 2005, the Board of Directors of the Régie de l’assurance maladie du Québec (RAMQ) announced the latest modifications to the Quebec Prescription Drug Insurance Plan effective July 1, 2005.

First of all, it is important to note that the following groups will not be affected by these changes:

  • Children less than 18 years old;
  • Students between the age of 18 and 25;
  • Employment Assistance recipients;
  • Citizens 65 years old and over receiving the maximum Guaranteed Income Supplement.

The modifications on the remaining RAMQ insured population are the following:

  • Maximum annual premium increased from $494 to $521 per adult;
  • Maximum monthly deductible increased from $10.25 to $11.90 ($123.00 to $142.80 per year) per adult.

Private plans must offer, as a minimum, conditions as generous as the public plan. However, the Quebec Prescription Drug Insurance Plan’s modifications will not have an impact on private plans since the coinsurance (portion of the cost paid by the insured) and the maximum contribution have been maintained at 28.5% and $857 respectively. Note that the annual maximum contribution is the maximum amount payable by an adult, including the deductible and coinsurance, for him/herself and any dependent children.

It is worth mentioning that the Quebec Prescription Drug Insurance Plan includes a provision allowing annual indexation of the public plan parameters on July 1 of each year.


Please feel free to contact us for additional information.

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Montreal, Quebec, H3B 1S6