The Red River College benefits program provides coverage under applicable options for prescribed Drugs that are eligible under the provincial formulary. The Manitoba Formulary renews and updates eligible drugs on a regular basis.
What is a dispensing fee?
The price of every drug is made up of two parts:
- The cost of the ingredients to make the drug, and
- The cost of the pharmacist’s service and advice called the dispensing fee
Flex Option 4 has a dispensing fee deductible, meaning that each time you fill a prescription your deductible is equal to the dispensing fee. Coverage under the plan is also limited to reasonable and customary charges. Customary charges are the lowest of representative prices in the area where treatment is provided; prices shown in any professional fee guides; and maximum prices established by law.
You can of course, go to any pharmacy you choose. When considering your out-of-pocket costs, you should also take into consideration the familiarity the pharmacist has of your state of health and how comfortable you are with the individual. You have every right to ask the pharmacy how much the dispensing fee is.
What is generic substitution?
A generic equivalent is a generic prescription drug that has the same therapeutic benefits as the associated brand name medication. Our group benefits plan requires generic substitution which means that the drug prescribed by the doctor will be automatically exchanged with the lowest priced generic equivalent. The only exception to this is if your doctor has indicated on the prescription that there is no substitution allowed.
The above is a summary of the provisions of the group plan. In the event of a discrepancy between this benefit and the master contract, the terms of the group contract will apply.
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