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2021 Drug Plan Trends Report: Diving deep into the pros and cons of drug pooling

In Western Canada, specialty drugs’ share of private plans’ costs is 23%, due to pharmacare programs in three provinces automatically acting as first payer for prescription drugs after an income-based out of-pocket deductible, climbing to 38% in Atlantic Canada. As much as 60% of the current pipeline is focused on specialty medications, according to a 2020 report from Express Scripts Canada, with about 50% of drugs in the pipeline designed for oral administration, continuing a shift in costs from provincial to private plans. This framework is two-tiered, as a Green Shield Canada report notes each insurer places eligible high-cost drug claims from their fully-insured plans into their proprietary extended health-policy protection plan pools. The pooling threshold, typically upwards of $10,000, is negotiated between plan sponsor and carrier.

3 Dividend Stocks That Could Keep Outperforming Growth Stocks

Image source: Getty Images 2021 has been a year to forget for growth stocks. Many investors have decided to switch out of the high-flying winners from last year and into value stocks. While it’s uncertain how long this dip in growth will last, some dividend investors have been seeing their portfolios at all-time highs. In this article, I will discuss three dividend stocks that have outperformed growth stocks over the past month or year to date. Adding these companies to your portfolio could provide much-needed diversification. This is the top bank stock in Canada Among the Big Five, my top pick has always been

Retired Couples: This Simple TFSA Portfolio Generates $692 Per Month in Tax-Free Income!

Retired Couples: This Simple TFSA Portfolio Generates $692 Per Month in Tax-Free Income!
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À surveiller: Telus, Héroux-Devtek et Transat

À surveiller: Telus, Héroux-Devtek et Transat
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Internet searching found to improve layperson diagnostic accuracy

Internet searching found to improve layperson diagnostic accuracy
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