A prescription drug plan helps you afford the medication you need, without straining your budget. Provincial health plans cover doctor and hospital visits. However, coverage for prescriptions varies a lot by province, age, and income. Many working-age adults without group benefits pay for their medication out of pocket. To understand what public coverage includes, see the Government of Canada’s overview of Canada’s health care system.
Nova Star Insurance Consultant Inc. helps residents of Ontario, Quebec, Nova Scotia, New Brunswick, and Alberta find individual drug coverage that fills those gaps. As a result, managing the cost of your medication becomes much easier.
The right plan depends on the medication you take, how often you take it, and any coverage you already have. For example, many provinces offer some drug coverage to seniors, but it often includes deductibles or co-payments. In Quebec, residents without a private group plan must join the public prescription drug plan. Our advisors explain how your provincial program works and where a private plan can help.
Comparing plans can be overwhelming. That’s why our advisors review the choices with you. Then, we help you pick the most suitable and cost-effective plan for your needs. Individual drug coverage is often part of a broader health and dental plan, so we look at the full picture.
We compare the premiums for plans that cover the drugs you need, side by side.
We factor in deductibles, co-payments, and annual maximums for each plan. In this way, you can weigh the coverage you need against the premium you pay.
Each plan has a formulary, which is its list of covered drugs. Our advisors check that your medications are on it and estimate your total yearly costs.
A drug plan helps you afford the medication you need to stay healthy. Without it, regular or costly prescriptions can quickly become a financial burden.
Start with your medications, your budget, and any coverage you already have. Then, our advisors compare plans and recommend the one that best suits your situation.
That’s exactly what we’re here for. We guide you through each option, explain the differences in plain language, and help you choose a plan that offers good value.
A formulary is the list of medications a plan covers. It matters because a plan is only useful if it covers the drugs you take. We check the formulary for you, so there are no surprises at the pharmacy.
At Nova Star, you get attentive service and close attention to detail. Call or email us with any questions, and we’ll get back to you within one business day.
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