Drug coverage is part of the coverage you get when you are eligible for hour bank benefits, however not all prescriptions drugs are covered.
The base Benefits of Film plan which covers about 5000 DINS follows the BC provincial Fair Pharmacare formulary. You can check with your doctor or your pharmacist to see if your medication is covered. These drugs are payable at the coinsurance of your 60+ coverage level – between 30% and 70% of the reasonable and customary cost.
Under the base Benefits of Film plan some additional prescriptions are covered, but require special approval. Your doctor will need to complete a Special Authority Request form
and submit it to BC Pharmacare for approval. When it has been approved, you can send this to firstname.lastname@example.org
to submit to Canada Life, or you can submit it directly to Canada Life by calling them at 1-855-729-1839. Once the approval is set up on Canada Life’s system you will be able to use your drug card to purchase the medication going forward.
As of May 1st 2022, another additional 11,000 drugs in addition to those covered under the base Benefits of Film plan are covered under the Supplementary Drug Plan (TELUS’s Complete Managed Formulary). These drugs are payable at 80% the coinsurance of your 60+ coverage level – between 30% and 70% of the reasonable and customary cost. For example if you purchase a covered drug that costs $50 and you are covered in Level 1 at 30%, you will be reimbursed $12.00 - $50 x 0.80 x 0.30. If your drug gets paid at 80%, check with your pharmacist to see if it is eligible on the BC Fair Pharmacare as a special authority drug – if approved, you could get reimbursed at the full coinsurance for your 60+ coverage level if your Special Authority Request is approved.
You can check whether your drug it’s covered by accessing the Canada Life GroupNet website or app and using the DIN lookup tool. You can also check whether the drug is covered under the base or supplementary plan.