Resources

Below is the most comprehensive list of online resources to help you to retrieve additional information related to the management, administration, and integration of government and group insurance and employee benefit plans in Canada.

 

Federal Government

 

Canada Pension Plan - Almost all individuals who work in Canada contribute to the Canada Pension Plan (CPP). The CPP provides pensions and benefits when contributors retire, become disabled, or die.

 

Quebec Pension Plan - The Quebec Pension Plan is a compulsory public insurance plan for workers age 18 and over whose annual employment income is greater than 3 500 $. Its purpose is to provide persons who work in Quebec (or have worked in Quebec) and their families with basic financial protection in the event of retirement, death or disability.

 

Old Age Security - The Old Age Security program is the Government of Canada's largest pension program. It is funded out of the general revenues of the Government of Canada, which means that you do not pay into it directly.

 

Employment Insurance - Employment Insurance (EI) provides temporary financial assistance to unemployed Canadians who have lost their job through no fault of their own, while they look for work or upgrade their skills.

Canadians who are sick, pregnant, or caring for a newborn or adopted child, as well as those who must care for a family member who is seriously ill with a significant risk of death or who must provide care or support to their critically ill or injured child may also be assisted by Employment Insurance.

Please also review current Contribution and Premium Rates and further details about how the program works.

 

Health Canada - Health Canada is the Federal department responsible for helping Canadians maintain and improve their health, while respecting individual choices and circumstances.  The Health Canada website provides access to health-related legislation and activities, including commissions and inquiries.

 

Drug Product Database - The Drug Product Database contains product specific information on drugs approved for use in Canada. The database is managed by Health Canada and includes human pharmaceutical and biological drugs, veterinary drugs and disinfectant products. It contains approximately 15,000 products which companies have notified Health Canada as being marketed.

 

Public Health Agency of Canada - The role of the Public Health Agency of Canada is to promote health, prevent and control chronic diseases and injuries, prevent and control infectious diseases, prepare for and respond to public health emergencies, serve as a central point for sharing Canada’s expertise with the rest of the world, apply international research and development to Canada’s public health programs, and strengthen intergovernmental collaboration on public health and facilitate national approaches to public health policy and planning.

 

The Canadian Agency for Drugs and Technologies in Health (CADTH) -  Provides decision-makers with the evidence, analysis, advice, and recommendations they require to make informed decisions about which medical devices and drugs to use in Canada. Funded by Canada’s federal, provincial, and territorial governments, CADTH is an independent, not-for-profit agency that delivers timely, evidence-based information to health care leaders about the effectiveness and efficiency of health technologies.  To get a better understanding of  what CADTH does take a look at their top ten downloads.

 

National Pharmaceuticals Strategy - As part of the 10-Year Plan to Strengthen Health Care set forth in 2004, First Ministers (Prime Minister Martin and the leaders of the provinces and territories), agreed to the National Pharmaceuticals Strategy. First Ministers agreed that no Canadian should suffer undue financial hardship in accessing needed drug therapies, and that affordable access to drugs is fundamental to equitable health outcomes for all Canadians.

 

Patented Medicine Prices Review Board - The Patented Medicine Prices Review Board (PMPRB) is an independent quasi-judicial body established by Parliament in 1987 under the Patent Act (Act).

The PMPRB protects the interests of Canadian consumers by ensuring that the prices of patented medicines sold in Canada are not excessive. It does this by reviewing the prices that patentees charge for each individual patented drug product in Canadian markets. If a price is found to be excessive, the Board can hold public hearings and order price reductions and/or the offset of excess revenues. The PMPRB regulates the “factory gate” prices and does not have jurisdiction over prices charged by wholesalers or pharmacies, or over pharmacists´ professional fees.

 

Canadian Diabetes Association - Financial Charts by Province outlining snapshots of key policies and programs related to diabetes.

 

Alberta

 

Alberta Health - Alberta Health is the ministry that sets policy, legislation and standards for the health system in Alberta. The ministry allocates health funding and administers provincial programs such as the Alberta Health Care Insurance Plan and provides expertise on communicable disease control.

 

Alberta Health Care Insurance Plan - In accordance with the Canada Health Act, Alberta's publicly administered and funded health care system guarantees that eligible residents of Alberta receive universal access to medically necessary hospital and health care services.

 

Alberta Drug Coverage - The Alberta Government provides supplementary drug programs and services for Albertans.  Alberta provides an interactive list of the 4,000 covered drugs on its website outlined here.

 

British Columbia

Ministry of Health - The British Columbia Ministry of Health is the ministry that sets policy, legislation and standards for the health system in British Columbia

 

British Columbia Health Insurance - Health Insurance BC administers the Medical Services Plan (MSP) and PharmaCare programs on behalf of the B.C. government. Health Insurance BC's responsibilities include:

  • Administration of MSP and PharmaCare business services (including registration for MSP and processing applications for Premium Assistance and Fair PharmaCare); and
  • Registration of health care providers and payment of medical and pharmacy claims

 

Medical Services Plan (MSP) - The Medical Services Plan (MSP) insures medically-required services provided by physicians and supplementary health care practitioners, laboratory services and diagnostic procedures.  Premium rates for the British Columbia MSP are detailed here.

 

Pharmacare - BC PharmaCare helps B.C. residents with the cost of eligible prescription drugs and certain medical supplies. It provides access to drug therapy through several drug plans. The largest is the income-based Fair PharmaCare plan.  Details of the covered Pharmacare formulary are outlined here.

 

Manitoba

 

Manitoba Health - Manitoba Health is the ministry that sets policy, legislation and standards for the health system in Manitoba.

 

Manitoba Health Services Insurance Plan - Outlines benefits administered by the Insured Benefits Branch of Manitoba Health and also provides information on eligibility and registration.

 

Manitoba Pharmacare - Pharmacare is a drug benefit program for eligible Manitobans, regardless of disease or age, whose income is seriously affected by high prescription drug costs.  Details of the formulary are outlined here.

 

Manitoba Health and Post Secondary Education Tax Levy - The Health and Post Secondary Education Tax Levy (HE Levy) is a tax imposed on remuneration that is paid to employees. The HE Levy is paid by employers with a permanent establishment in Manitoba.  Information for employers is included here.

 

New Brunswick

 

New Brunswick Department of Health - New Brunswick Department of Health  is the ministry that sets policy, legislation and standards for the health system in New Brunswick.

 

New Brunswick Medicare

 

New Brunswick Prescription Drug Program (NBPDP) - The New Brunswick Prescription Drug Program (NBPDP) provides prescription drug benefits to eligible residents of New Brunswick.  The New Brunswick Prescription Drug Program (NBPDP) Formulary is a list of the drugs which are eligible benefits under the Program.

 

Newfoundland and Labrador

 

Department of Health and Community Services - The Department of Health and Community Services provides a leadership role in health and community services programs and policy development for the province. This involves working in partnership with a number of key stakeholders including regional health authorities, community organizations, professional associations, post-secondary educational institutions, unions, consumers and other government departments.

 

Medical Care Plan (MCP) - The Newfoundland and Labrador Medical Care Plan (MCP) is a comprehensive plan of medical care insurance designed to cover the cost of physician services for residents of the province.

 

Prescription Drug Program (NLPDP) - The Newfoundland and Labrador Prescription Drug Program (NLPDP) provides financial assistance for the purchase of eligible prescription medications for those who reside in the province. There are five main plans under the program: The Foundation Plan, The 65Plus Plan, The Access Plan, The Assurance Plan and The Select Needs Plan.

 

Health and Post Secondary Education Tax (Payroll Tax) - Payroll tax, at a rate of 2%, is payable by employers whose annual remuneration in the province exceeds a predetermined exemption threshold.

 

Nova Scotia

 

Nova Scotia Department of Health and Wellness - Nova Scotia Department of Health and Wellness  is the ministry that sets policy, legislation and standards for the health system in Nova Scotia.

 

Nova Scotia Health Insurance Plan

 

Nova Scotia Pharmacare - The Nova Scotia Pharmacare Programs, which are Nova Scotia’s public drug plans, helps eligible residents with the cost of prescribed drugs and devices which are indicated as benefits in the Nova Scotia Formulary.

 

Ontario

 

Ministry of Health and Long Term Care - The Ministry of Health and Long-Term Care is working to establish a patient-focused, results-driven, integrated and sustainable publicly funded health system. Its plan for building a sustainable public health care system in Ontario is based on helping people stay healthy, delivering good care when people need it, and protecting the health system for future generations.

 

Ontario Health Insurance Plan (OHIP)

 

Ontario Public Drug Programs

 

Ontario Drug Benefit Formulary

 

Ontario Employer Health Tax - You have to pay EHT if you are an employer with Ontario remuneration. Total Ontario remuneration means annual remuneration you paid to employees who:

  •  report for work at your permanent establishment in Ontario, or
  • do not report for work at any of your permanent establishments, but who are paid from or through your Ontario permanent establishment.

 

Ontario Employer Health Tax - Rates

 

Ontario Employer Health Tax Employer Guide

 

Ontario Health Premium - The Ontario Health Premium was introduced in the 2004 Ontario Budget to help fund the additional investments in healthcare in Ontario. Each year, revenue from the Ontario Health Premium contributes approximately $3 billion to the health care system.

The Ontario Health Premium applies to individuals who are residents of Ontario on the last day of the taxation year with taxable income over $20,000 (line 260 of your income tax return). The Ontario Health Premium is deducted from employee pay and pension cheques through the personal income tax system administered by the Canada Revenue Agency under the existing tax collection agreement between Ontario and the federal government.

 

Ontario Health Premium - Rates

 

Prince Edward Island (PEI)

 

PEI Ministry of Health - PEI Ministry of Health a is the ministry that sets policy, legislation and standards for the health system in PEI.

 

PEI Medicare Services

 

PEI Seniors' Drug Cost Assistance Program - The program provides subsidization to seniors for drug costs, particularly those costs associated with long-term drug use for chronic conditions.  Formulary details are outlined at this link.

 

Quebec

 

RAMQ - The Régie de l'assurance maladie du Québec (RAMQ) administers the public health and prescription drug insurance plans: it informs the public, manages the eligibility of persons, remunerates health professionals and ensures the secure flow of information.

 

Health Insurance Plan

 

Prescription Drug Insurance - In Québec, everyone must be covered by prescription drug insurance.  Two types of insurance plans offer this coverage:

Public plan

  • The Public Prescription Drug Insurance Plan is administered by the Régie de l'assurance maladie du Québec and is intended for persons who are not eligible for a private group insurance plan covering prescription drugs, for persons age 65 or over, and for recipients of last-resort financial assistance and other holders of a claim slip (carnet de réclamation). Children of persons registered for the public plan are also covered by that plan., that is, the one administered by the Régie de l'assurance maladie du Québec;

Private plan

  • Private plans are usually available in the form of group insurance or employee benefit plans. Persons may be eligible for a private plan through employment, through membership in a professional order or association, or through their spouse or parents. Persons who are eligible for a private plan are required to join that plan. (group insurance or employee benefit plans).

Only those persons who are not eligible for a private plan may register for the Public Prescription Drug Insurance Plan. The Plan was set up in 1997 to cover all Quebecers who are not eligible for a private plan.

 

Details of the Public plan formulary are included here.

 

Quebec Health Services Fund

 

Quebec Health Services Fund Employer Guide

 

Saskatchewan

 

Saskatchewan Ministry of Health - Saskatchewan Ministry of Health a is the ministry that sets policy, legislation and standards for the health system in Saskatchewan.

 

Saskatchewan Health Benefits

 

Saskatchewan Drug Plan, Formulary