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Quebec RAMQ out-of-pocket maximum increases

Plan sponsors with plan members who reside in Quebec must offer prescription drug coverage that meets the minimum legislative requirements set by the Régie de l’assurance maladie du Québec (RAMQ).

On July 1, 2019, the following changes were applied to private plans as announced by RAMQ:

  • The maximum annual out-of-pocket drug expenses that plan members are required to pay increased from $1,087 to $1,117.
  • The plan member’s co-insurance level (maximum out-of-pocket expenses) increased from 34.9% to 37% of the prescription cost.

On January 1, 2019, the maximum coverage for Quebec smoking cessation products stayed at $800.

Quebec's drug plan legislation requires that private drug plans are at a minimum equal to the drug coverage provided by the RAMQ. As such, all drug plans covering Quebec plan members must provide coverage for smoking cessation products that are listed on the RAMQ Formulary.


Please contact your Manulife Representative.

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