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Normandin Beaudry

Changes to the Quebec Prescription Drug Insurance Plan


There, in black and white

Bulletin NB Vol. 9 N. 7, July 2006

Lately, 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 on July 1, 2006.

Firstly, it is important to note that children, students, Employment Assistance recipients as well as the elderly receiving the maximum Guaranteed Income Supplement and those receiving the near maximum Guaranteed Income Supplement (94% to 99%) are not affected by the modifications.

The main impacts of the modifications on the remaining insured population by the RAMQ are the following:

  • Maximum annual premium increases from $521 to $538 per adult.
  • Maximum monthly deductible increases from $11.90 to $12.10 ($142.80 to $145.20 per year) per adult.
  • Maximum coinsurance (portion of the cost paid by the insured) increases from 28.5% to 29.0%.
  • Monthly maximum contribution increases from $71.42 to $73.42 ($857 to $881 per year). The maximum contribution is the maximum amount payable by an adult, including the deductible and coinsurance, for him/herself and any dependent children.

Since private plans must offer, as a minimum, conditions as generous as the public plan, the increase of the coinsurance from 28.5% to 29.0% and the raise of the annual maximum contribution from $857 to $881 could have an impact on private plans.

Recall 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