Frequently Asked Questions
- Who is eligible for the plan?
- How can I enrol?
- Do I need to enrol in the New Brunswick Drug Plan if I am covered by the New Brunswick Prescription Drug Program (NBPDP)?
- What if I have a pre-existing medical condition?
- Does my spouse have to enrol too?
- Who can be included as a dependent?
- Can I add or remove a family member from the plan?
- How can I change my personal or payment information?
- Can I leave the plan at any time?
Drug Plan Details
Cost to Members (Premiums and Copayments)
- What is the cost of the plan to members?
- If one member in the family enrols, would the premium be based on the individual income or the family income?
- What is the definition of gross income? Does it include RRSPs, CPP, investment income, etc.?
- Can I request a reassessment of my income at any time?
- What if I don’t file tax returns?
- Are premiums and copayments tax-deductible?
The New Brunswick Drug Plan is available to all New Brunswick residents who:
- have a valid Medicare card; and
- do not have existing drug coverage (through a private plan or a government program) or have existing drug coverage but it does not cover a specific drug that is included in the drug plan formulary or the resident has reached their yearly or lifetime maximum for drug coverage.
Print and complete an application form and mail or fax it to the address provided on the form. If you would like a form mailed to you, please call 1-855-540-7325.
No, those covered by the NBPDP do not need to join the New Brunswick Drug Plan. The NBPDP is a provincially-funded program that provides drug coverage to eligible beneficiaries, such as, seniors aged 65 and older who receive the Guaranteed Income Supplement, seniors who qualify, residents of nursing homes, clients of the Department of Social Development, and others with certain medical conditions.
The New Brunswick Drug Plan is a prescription drug insurance plan that provides drug coverage for uninsured New Brunswickers.
The New Brunswick Drug Plan offers coverage regardless of pre-existing conditions.
No. However, your spouse’s information is required on the application form even if your spouse is not applying for coverage. In the case of a couple (with or without children) in which only one spouse is requesting coverage, the premiums and maximum copayments are calculated based on the annual family income.
Eligible dependants include:
- all dependent children under the age of 19
- all dependants age 19 or older who are eligible for a Disability Tax Credit under the federal Income Tax Act, AND were eligible for the tax credit as a minor, AND reside with the applicant.
If your family circumstances, have changed, you must notify the NB Drug Plan. To add or remove family members to the plan, please fill out the following form:
If there are changes to your personal or payment information, please fill out the following form:
Yes. You can withdraw your application and cancel your membership at any time by calling 1-855-540-7325.
No plan in Canada covers every drug on the market. The plan covers approved drugs that are currently on the New Brunswick Drug Plan formulary which adheres to a national evidenced-based drug review process currently used by public drug plans across Canada.
Yes. The plan covers thousands of drugs that have undergone a standard national, evidence-based review and have been recommended to be added to the New Brunswick Drug Plan formulary.
No, when generic products are available for a brand name drug, the New Brunswick Drug Plan will only reimburse pharmacies for the lowest cost generic product. Members who choose to receive a brand name product when a generic product exists are responsible for paying any difference in price.
The New Brunswick Drug Plan will consider requests for reimbursement of brand name drugs when a member has had a hypersensitivity reaction (e.g. edema, respiratory distress, serum sickness, anaphylaxis) to a non-medicinal ingredient contained in the generic product. Special Authorization Request Form and providing details of the hypersensitivity reaction.
Information on the safety and effectiveness of generic drugs is available on Health Canada’s website.
The New Brunswick Drug Plan covers drugs listed on the New Brunswick Drug Plan formulary which covers more than 5,000 drugs including many high cost drugs. No plan in Canada covers every drug on the market. The plan will cover approved drugs which have undergone a national evidenced-based drug review process currently used by public drug plans across Canada. On an ongoing basis, drugs will be added to the formulary following the same standard process.
Drugs not listed on the formulary may be requested in certain circumstances; however, the drug requested must be authorized for sale and use by Health Canada.
The New Brunswick Drug Plan covers prescription drugs only. Vaccines, medical devices, supplies and equipment (e.g. diabetic supplies, ostomy supplies, oxygen, etc.) are not eligible benefits under the New Brunswick Drug Plan formulary. Some private insurers offer extended health benefits that cover these products.
The premium and copayment amounts are outlined in the table below. The premiums and maximum copayments are calculated based on the annual family income, as indicated by Canada Revenue Agency (CRA) tax return for the tax year immediately preceding the current tax year. All adult plan members pay monthly premiums to be part of the plan. Children 18 and younger will not pay premiums but a parent must be enroled in the plan. All plan members must pay a 30% copayment up to a maximum amount per prescription.
Please visit the premium page for more details.
|Gross Income Levels||Annual
|30% Copay to a Maximum per Prescription|
|Individual||Single with Children / Couple with or without children|
|$17,884 or less||$26,826 or less||$ 200||$ 16.67||$5|
|$17,885 to $22,346||$26,827 to $33,519||$ 400||$ 33.33||$10|
|$22,347 to $26,360||$33,520 to $49,389||$ 800||$ 66.67||$15|
|$26,361 to $50,000||$49,390 to $75,000||$1,400||$ 116.67||$20|
|$50,001 to $75,000||$75,001 to $100,000||$1,600||$ 133.33||$25|
|Over $75,000||Over $100,000||$2,000||$ 166.67||$30|
Because the premiums are based on ability to pay, people in family situations will have their premium determined based on their family income. If only one adult enrols in the plan, then only one premium must be paid. If two adults in the family enrol in the plan, then two premiums of the same amount must be paid. Children 18 and younger will not pay premiums, but at least one parent must enrol and pay a premium in order for one or more children to be covered.
The New Brunswick Drug Plan uses “Total Income” as calculated on line 150 of your Income Tax Return, less any elected split-pension amount on line 116 (if applicable). The CRA determines which sources of income must be included in the amount reported on line 150.
Yes. You can request a reassessment through the year, except during the annual reassessment period of July 1st to September 30th.
The NB Drug Plan does not reimburse or charge members for differences between monthly premiums before and after in-year reassessments.
If you do not file tax returns with the CRA, you will be charged the maximum annual premium of $2,000 per adult ($166.67 per month). Since premiums are calculated based on family income, which is verified with the CRA annually, it is important to file tax returns each year in order to pay the premium that aligns with your most recent annual family income.
New Brunswick Drug Plan premiums and drug copayments are considered eligible medical expenses and can be claimed on line 330 or line 331 of Schedule 1, Federal Tax, of your income tax return. For further information, please contact the CRA at 1-800-959-8281 or visit their website.
Tax receipts for the previous year will be distributed by the New Brunswick Drug Plan before the end of February.
If your premium payment is not received each month in full, benefits will not be provided and coverage will be suspended or cancelled.
If your coverage is suspended, you will not receive drug benefits until your account is paid in full. This means your prescription drugs will not be paid at the pharmacy. An official notice of suspension will be sent in the mail.
You will have 30 days from the date your coverage is suspended to pay the amount owing by cheque or money order. If after 30 days, payment has not been received, your coverage will be cancelled.
You and your spouse will still be responsible to pay the amount owing, and collection efforts will be made to recover these overdue premiums.
If your coverage is cancelled, you will not receive drug benefits (your prescription drugs will not be paid at the pharmacy). You and your spouse are still required to pay the outstanding amount owing, and collection efforts will be made to recover these amounts. Failure to pay amounts owing could have escalating legal consequences.
Members who have had their accounts cancelled due to non-payment of premiums may be subject to a re-instatement fee and waiting period should they choose to re-enrol in the New Brunswick Drug Plan at a later date.
You can pay your overdue premiums by sending a cheque or money order to the address below. Please include your New Brunswick Drug Plan ID Number with your payment.
New Brunswick Drug Plan
PO Box 690
Moncton, NB E1C 8M7
You must complete the following steps:
- You must complete an application form to re-enrol;
- You may have to pay a re-instatement fee; and
- A three month waiting period may apply before your coverage is effective.