title: Who's the fairest of them all? Which provincial pharmacare model would best protect Canadians against catastrophic drug costs?
abstract: BACKGROUND
  Public prescription drug plans vary markedly across Canada. To address perceived inequities in coverage across provinces, the February 2003 First Ministers' Accord on Health Care Renewal committed to ensuring that all Canadians have reasonable access to catastrophic drug coverage. A national standard for "reasonable" catastrophic coverage has yet to be formally defined.
  
  
  OBJECTIVE
  To compare the private financial burdens from prescription drugs that Canadian households would face if each of the current provincial pharmacare models were adopted as the national standard.
  
  
  METHODS
  Through simulation modelling, we computed household private financial burden by applying the cost-sharing rules from provincial drug plans to a nationally representative set of 4,860 household types differing in size, age composition, income and drug expense levels. The proportions of households that would face private out-of-pocket payments exceeding critical, or catastrophic, percentages of household income were calculated.
  
  
  RESULTS
  Private financial burden due to prescription drug costs varies considerably across provincial pharmacare models. Comprehensive, tax-financed pharmacare models that limit out-of-pocket expenditures to a given percentage of income, such as those found in British Columbia, Saskatchewan, Manitoba and Ontario, provide the greatest protection against catastrophic prescription drug costs. There appears, however, to be no "gold standard" for an acceptable financial burden to be borne by patients.
authors.affiliation: Centre for Health Services and Policy Research, University of British Columbia, 429 - 2194 Health Sciences Mall, Vancouver, BC V6T 1Z3. mcoombes@interchange.ubc.ca
authors.forename: Megan E
authors.initials: ME
authors.lastname: Coombes
authors.forename: Steven G
authors.initials: SG
authors.lastname: Morgan
authors.forename: Morris L
authors.initials: ML
authors.lastname: Barer
authors.forename: Nino
authors.initials: N
authors.lastname: Pagliccia
mesh_terms: D002170:Canada; D002388:Catastrophic Illness; D016527:Drug Costs; D007356:Insurance, Pharmaceutical Services; D017146:Models, Organizational; D009313:National Health Programs / Q000458:organization & administration*; D011050:Policy Making