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Cannabis Insurance in Canada

Cannabis Insurance in Canada 3017 2263 Coverleaf

Gordon Wayne Skinner is no ordinary hero.

In August 2010, Skinner, a unionize elevator mechanic, lost control of his employer’s vehicle and slammed into a tree. He woke up to chronic pain, then anxiety and depression. He hasn’t worked since the crash. But because of him, Canada’s group insurance for medical cannabis has changed forever.

By all accounts in 2012, Skinner’s medical cannabis was helping. No more narcotics and anti-depressants that made Skinner feel numb. Once his insurance coverage was denied and appeals rejected, he saw it as discrimination. On January 30, 2017, Nova Scotia’s human rights board agreed. This had a nationwide impact. From this day forth, employers could now decide if they wanted to cover medical cannabis under their group medical plans.

Why this is important

Over 235,000 medical cannabis patients have already registered in Canada. Medical cannabis is becoming an important part of treatments and pain management for cancer, multiple sclerosis, rheumatoid arthritis, HIV-AIDS, and palliative care.

The Canadians for Fair Access to Medical Cannabis, a non-profit lobby group, believe that about 60 percent of Canadians prescribed medical cannabis cannot afford the medicine. Families who cannot afford the extra expense of medications might have to decide between spending on bills or medicine.

Ontario’s Workplace Safety and Insurance Board

In early 2019, Ontario’s Workplace Safety and Insurance Board set out definitive guidelines on who is entitled to use medical cannabis. While the WSIB previously saw medical cannabis users case-by-case when deciding, this new policy now provides guidance on who qualifies for entitlement. The WSIB coverage covers “the reasonable cost of [a] vapourizer, in addition to the reasonable cost of medical cannabis” for workers who qualify”.

Loblaw’s and Shoppers Drug Mart

Loblaw became one of the first big companies to cover medical cannabis for workers in 2017. The company’s Shoppers Drug Mart division applied to Health Canada for a license, which will mean this division will soon be able to sell legal medical cannabis.

In September 2018, Health Canada approved Shoppers Drug Mart’s application to become a licensed producer. Shoppers Drug Mart is partnering with Aphria, Aurora Cannabis, Broken Coast, CanniMed, Emblem, Starseed, Tilray, and WeedMD. This paves the way for Canada’s largest drugstore chain to fill medical cannabis prescriptions through the mail.

Insurance Carriers

Shoppers Drug Mart also announced a partnership with Manulife Financial on a medical cannabis program in 2018. Then in March 2019, the drugstore chain announced another partnership to expand Great-West Life Assurance’s medical cannabis coverage options in its group plans.

Under the agreements, specially trained pharmacists would support an insurance carrier’s customers approved for medical cannabis coverage with advice on different strains and how to use them. The Canadian Pharmacists Association is supportive of cannabis: “As medication experts, pharmacists are best equipped to provide clinical advice to patients and appropriate oversight in the safe management and dispensing of medical cannabis.”

What next

For his part, Skinner said the human rights ruling lifted a huge weight off his shoulders. “Just to have that security of knowing that these medications that are absolutely necessary for me to have any functionality are going to be provided for, just alleviates so much stress and hardship on my family.”

When it comes to cannabis and insurance, more businesses with group insurance need to become comfortable with medical cannabis. As more research and more acceptance happen across the medical industry, the more our awareness will become on how this plant can help us. For many, insurance coverage for medical cannabis has made a world of difference.