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Normandin Beaudry

The changes to the Quebec Prescription Drug Insurance Plan


There, in black and white

NB Bulletin Vol. 10 N. 7, June 2007

The Board of Directors of the Régie de l’assurance maladie du Québec (RAMQ) recently announced the latest modifications to the Quebec Prescription Drug Insurance Plan, which will take effect on July 1, 2007.

First, new categories of insured persons will get public drug insurance at no cost, that is Employment Assistance recipients without severe employment constraints or with temporary constraints and elderly persons receiving from 94% to 99% of the maximum Guaranteed Income Supplement (GIS). These categories have been added to those already receiving free public drug insurance, namely children, students, Employment Assistance recipients with severe employment constraints and elderly persons receiving the maximum GIS.

The main changes applicable to the remaining population insured by the RAMQ are as follows: 

  • Maximum annual premium increases from $538 to $557 per adult;
  • Maximum monthly deductible increases from $12.10 to $14.10 ($145.20 to $169.20 per year) per adult;
  • Maximum coinsurance (portion of the cost paid by the insured in excess of deductible) increases from 29.0% to 30.0%;
  • Monthly maximum contribution increases from $73.42 to $75.33 ($881 to $904 per year)(1). 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, conditions at least as generous as the public plan, the coinsurance rise from 29.0% to 30.0% and the annual maximum contribution increase from $881 to $904 may have an impact on private plans.

Quebec Prescription Drug Insurance Plan provides for the annual indexation of plan parameters on July 1 of each year.

Finally, new price listing for eligible drugs under the public drug insurance plan took effect on June 22, 2007. Prices of 363 out of the 5,400 eligible drugs have risen generally up to 2.03%, which corresponds to 2007 Consumer Price Index (CPI). However, price increases for 163 drugs exceed CPI.

We will inform you on the impact of this price increase on group insurance plans in an upcoming memo.

Please contact your Normandin Beaudry consultant for additional information. You can also consult the following Web sites:

(1) For elderly persons receiving from 1% to 93% of the GIS, the monthly maximum contribution increases from $47.51 to $48.27.


Please feel free to contact us for additional information.

630, René-Lévesque Blvd. West, 30th floor
Montreal, Quebec, H3B 1S6