Fair PharmaCare assistance is based on your family’s net income from two years ago. Your level of financial assistance includes your deductible, the PharmaCare portion and annual family maximum.
Your deductible: Your family (and/or your extended health care plan) is responsible for 100% of drug costs until your payments towards eligible costs reach the deductible. Once your family reaches the deductible, PharmaCare assists your family in paying for further eligible costs for the rest of the calendar year. Your level of assistance is recalculated and updated on January 1st of each year.
PharmaCare portion: Once your family reaches the deductible, PharmaCare pays a percentage of further eligible costs for the rest of the year. The PharmaCare portion is 70%; you are responsible for the remaining 30%. Note: If you or your spouse were born in 1939 or earlier, PharmaCare will contribute 75% towards your prescription costs after you reach your deductible.
Your family maximum: Once your contributions toward eligible costs reach this annual maximum, PharmaCare pays 100% of your family's further eligible costs for the rest of the year.
IMPORTANT: If you do not register for Fair PharmaCare, your assistance cannot be based on your income. Instead, you will have a default deductible of $10,000 per family member.
