How Your Coverage is Calculated
Fair PharmaCare coverage is income-based. Families with lower incomes receive more coverage than families with higher incomes.
PharmaCare uses the net income from your and your spouse's income tax returns to calculate your family's level of coverage. Net income equals the amount on Line 236 on your tax returns minus any amounts reported on Line 117 (Universal Child Care Benefit payments) and Line 125 (income from a Registered Disability Savings Plan).
If your spouse has not filed a separate tax return, PharmaCare may include the Married Amount from Line 303 of your return. They may also refer to GST Credit Application on your Income Tax Return to calculate your spouse's income.
How Your Level of Coverage is Calculated
PharmaCare uses income tax data from two years ago to calculate Fair PharmaCare coverage your family receives. For example, your 2015 coverage will be calculated using your 2013 tax return.
PharmaCare calculates your level of coverage:
- when you first register for Fair PharmaCare, and
- January 1 of every calendar year.
Get an estimate of your level of coverage under the plan using our online calculator.
See the information sheets below for information on coverage levels.