Drug coverage
Pharmacare
A provincial or territorial public drug insurance program that helps residents pay for prescription medications.
Each province runs its own pharmacare with different deductibles, premiums, and formularies.
Benefits glossary
Canadian benefits glossary
Government benefits, tax, disability and drug-coverage terms explained in plain language.
Definitions are educational. Official program rules still apply.
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Pharmacare deductible
The amount you pay out of pocket for eligible drugs each year before a public plan starts paying its share.
Deductibles are often based on income, lower income can mean lower or no deductible.
Drug coverage
Pharmacare premium
A monthly fee some provincial drug plans charge based on income or family size before drug coverage applies.
Drug coverage
Pharmacist coverage check
Asking your pharmacist whether a drug is covered on your plan before filling a prescription, especially for expensive medications.
Pharmacists can often see real-time billing results and suggest covered alternatives to discuss with your prescriber.
Drug coverage
Prior authorization
A requirement to get plan approval before filling a prescription, common for expensive or restricted drugs.
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Sources and methodology
Definitions explain common government and program language in plain words. They are starting points for understanding, not legal advice or official eligibility decisions. Confirm important details with the official program, CRA, Service Canada, or a qualified professional.
Glossary reviewed September 13, 2026