Manulife says its coverage of certain specialty prescription drugs will only apply at Loblaw-owned pharmacies, raising questions over the relationship between insurance providers and major pharmacy retailers.
For independent pharmacists like Kyro Maseh, who owns Lawlor Pharmasave in Toronto, the deal signals another shift away from personalized care for patients who have a longstanding relationship with their local pharmacist.
"What it means for the patient at the end of the day is that they're going to be picking up their medications from a high-volume pharmacy, or mail-order pharmacy for that matter, thus eliminating any sort of personal care in the process," Maseh told CBC News.
Known as "preferred pharmacy network arrangements," such exclusivity deals are common in the U.S. And while they aren't new to Canada, they are gaining traction, which worries pharmacists like Maseh.
"We're slowly moving towards the American model where it's all going to be just high-volume pill factories," he said, noting that some patients might have to travel to get to a pharmacy where their medication is available.
The Manulife-Loblaw arrangement — details of which were shared with plan holders earlier this month — affects around 260 medications under the insurance company's Specialty Drug Care program.
Drugs in this class are meant to treat complex, chronic or life-threatening conditions such as rheumatoid arthritis, Crohn's disease, multiple sclerosis, pulmonary arterial hypertension, cancer, osteoporosis and hepatitis C.
If you're on medication that is covered by the Specialty Drug Care program and are concerned about how this change will affect you, send an email to ask@cbc.ca.
"The very big and very powerful insurance companies essentially are exercising some of their market power in the pharmacy business," said Stephen Morgan, a professor at the University of British Columbia who specializes in pharmaceutical policy.
Canada spends about $10 billion per year on specialty drugs, which are medicines that cost more than $10,000 per patient annually. The markups on those drugs amount to about $600-$800 million a year, and insurance companies like Manulife want in, Morgan says.
"They want to use the power of directing those customers to particular pharmacies in exchange for, essentially, kickbacks," he said.
The Specialty Drug Care program will be carried out "primarily" through Shoppers Drug Mart and other Loblaw-owned pharmacies, starting Jan. 22, according to Manulife. The company previously also covered specialty drugs through national home and community health-care provider Bayshore HealthCare.
"At this time, to evolve our program, it's appropriate to select a single service provider to move the program forward for the benefit of our customers and their employees," said Doug Bryce, Manulife vice-president of product and platforms, in the announcement.
'Shadowy' agreements
While arrangements like these aren't new to the Canadian market — insurance provider GreenShield introduced a preferred pharmacy network arrangement for specialty drugs in 2015 through HealthForward — they're becoming more common for specialty drugs, according to Mina Tadrous, an assistant professor at the University of Toronto.
Deals like the one between Manulife and Loblaw could make it more challenging for Canadians who rely on specialty drugs to navigate an already-challenging health-care landscape, says Tadrous.
"They may go to their pharmacy that they regularly go to and find out that they have to switch pharmacies or go somewhere else. And so that might be concerning and it could be especially concerning for patients that live in rural areas," he said.
Pharmacy markups on specialty drugs — which are costly to begin with — can play a key role in "shadowy" agreements with insurance companies, says Marc-Andre Gagnon, a professor at Carleton University whose focus is on social, health and pharmaceutical policy.
"There's a lot of money for these specific drugs, which means there's a lot of leeway to organize a system of rebates between the drug manufacturer, the patient support programs, the insurer and the pharmacies," he said.
"You end up with these very shady deals that are completely under the table, basically, in a system where there's no transparency and we just don't know anything about what's going on."
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Manulife spokeswoman Emily Vear told The Canadian Press in a statement that the deal with Loblaw will provide "more options" for group benefits members to receive their specialty medications, with patients able to pick up drugs from a Loblaw-owned store or have them delivered to their home.
"We believe in providing our members greater choice in how they access and receive the services they need for their health and wellness," she said.
"This exciting partnership also enables access to a dedicated team of expert professionals, such as nurses and pharmacists, to help manage and administer our members' medications."
CBC News reached out to Manulife for further information.
On its website, Bayshore HealthCare says Specialty Drug Care plan members could have their medication shipped to their home, a clinic or doctor's office, but it does not mention pickup options at pharmacy locations.
Loblaw spokeswoman Catherine Thomas said in a statement to CBC News that the company is confident that patients' experience "will remain unchanged, if not better."
She said that the expansion of the program will impact under one per cent of the patient population requiring specialized medication.
"They can pick up their prescriptions from one of more than 1,800 pharmacies across our network, or have them shipped directly to their home," she stated.
'Super-profitable drugs'
Other experts dispute the notion that preferred pharmacy network arrangements hurt competition.
"Manulife has identified that they're basically able to get a better deal by going to a single provider," said Aidan Hollis, an economics professor at the University of Calgary, whose research focuses on innovation and competition in pharmaceutical markets.
"When they get that better deal, the idea is that they should be passing on the savings to their insured customers," he said.
"It's a single sliver of a deal, so the business is much larger than this. This is just Manulife, it's not every insurer. Probably those independent pharmacies can collaborate, form chains or collaborations, and figure out a way to try to get back some of that business.
"There's no reasons for Shoppers Drug Mart and Loblaws to try to get all of it. We would expect other chains to try to do the same thing."
On its website, Manulife says exclusive availability of its Specialty Drug Care plan does not apply in Quebec.
Gagnon, at Carleton University, said the lack of such restrictions outside of Quebec creates an uneven system where some pharmacies attract "all the big money involved with drugs," while smaller ones "struggle to cope."
"If all the super-profitable drugs for pharmacy chains are being captured by just some of the actors, that's a problem for the rest of the pharmacies," he said. "They end up with the leftovers, the drugs that are way less profitable."
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2024-01-30 21:36:32Z
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