Deferred payment
drug card
Get to know your benefits
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Contents
You have a prescription to fill?
How much is covered by your plan?
Few more questions?
You have a prescription
to fill?
Use your drug card and benefit
from its advantages.
How does your deferred
payment drug card work?
It’s instantaneous. It’s safe. Even
better, there are no forms to fill.
Accepted in most pharmacies across
Canada, your drug card is the quickest
and easiest way to process claims.
Simply present your prescription along
with your deferred payment drug card
to your pharmacist. Your claim will be
processed electronically.
You will need to pay for your prescription
upfront, but your drug card facilitates the
process of getting your money back.
No need to deal with forms, receipts and
stamps anymore.
You only have to carry one card in your
wallet. Your Insurance certificate is both
your proof of coverage and your drug card.
Deferred payment drug card 01 How much is covered
by your plan?
Deductible: the amount
of money you have
to pay out-of-pocket
before your group plan
pays your claims.
Co-insurance: a
certain percentage
of your health care
expenses reimbursed
by your group plan
after applying
the deductible.
For example, if
your group plan
reimburses 80% of
your prescription
medication, you would
then have to assume
the remaining 20% of
your drug cost.
Prescription drug coverage is one of
the benefits offered under your group
insurance plan.
Depending on your plan, you may share
the cost of prescription drugs through a
deductible, a co-insurance, or both.
Refer to the Prescribed Drug Benefit
and the Summary of Benefits in your
employee booklet to find out all the
modalities applicable to your plan.
Extra benefits
Your drug card includes a number of
built-in features.
Coordination of benefits
If you and your spouse are covered
for prescription medication with
each other’s insurer, present your
prescription along with both drug cards
to your pharmacist.
The pharmacist will use the cards to
have the two plans cover as much
as possible of the cost so that you
pay as little as possible. The same
applies for prescription drug claims for
dependent children.
Click on the
Your booklet tab
under Your File in
the VIP Room for
more information on
the drugs and costs
covered under your
group insurance plan.
To coordinate the benefits between group
insurance plans, ensure you provide us with
the right information regarding your spouse
and children, particularly their dates of birth.
02 Deferred payment drug card
For more information
on Standard Life’s
Privacy Policy, visit
standardlife.ca.
Added protection
Protecting your privacy
Your drug card includes an online drug
utilization review. This confidential
service helps protect you against the
inappropriate use of medication. It also
checks if the prescription being filled
interferes with other prescription drugs
you may be taking. The pharmacist is
immediately notified of any potential
health risk or drug interactions.
By using the drug card, you consent
to having the pharmacist send us the
information necessary to process your
claim, including the drug utilization
review and coordination of benefits.
This information is used and disclosed
for claims administration and statistical
reporting purposes only.
Another safety feature of your drug card
is that it limits the amount of medication
you may receive at one time, with
the exception of a maintenance drug
intended for ongoing use.
Your personal information remains strictly
confidential and protected at all times in
compliance with privacy laws and regulations.
Deferred payment drug card 03 04 Deferred payment drug card
Few more questions?
Can’t find your card?
Your claim doesn’t go through?
Protect yourself from fraudulent claims.
If your drug card is lost or stolen,
please immediately advise your plan
administrator. Standard Life will issue
you a replacement card without delay.
If your claim cannot be submitted
electronically or is denied, your
pharmacist will tell you why. If you
need further information, please call
Standard Life and speak to a Customer
Service Representative.
Going on a trip?
If you are planning to take an extended
vacation, you may require more
medication than is usually allowed under
your plan.
In such a case, call us to see if it is
possible for you to get an extended
supply. Each case being unique, it is
recommended to contact us to discuss
possible arrangements.
If your pharmacist was unable to submit
your claim electronically, you can
submit a Drug claim reimbursement
form, which is available online at
www.standardlife.ca.
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The Standard Life Assurance Company of Canada
GE10982A GL
06-2013
©2013 Standard Life (images reproduced under license)