CannabisCoverage - Insurance Providers

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Insurance companies offer plan sponsors (employers, unions, associations and individuals) a variety of health benefit plans for their employees / members.  These plans provide coverage of a variety medical and dental expenses.  Some insurance providers have added medical cannabis / medical marijuana coverage as an option which plan sponsors can choose as benefits for their employees / members.  Health benefit plans can cover medical cannabis in two ways, health spending accounts and as a listed benefit (similar to a prescription medication).  When covered as a listed benefit medical cannabis coverage is often associated with specific criteria for coverage and may be subject to a prior authorization process.  The table below lists insurance providers along with their cannabis coverage criteria / details plus links to online information or forms for each insurance provider.

Insurance Providers wishing to update their Coverage Details, Links or who wish to be added below should email a request to info@marijuanamedinfo.ca   Please communicate via your company email

Insurance Provider

Coverage Details

updated  March 14, 2019

Insurance Provider Information / Forms

Alberta Blue Cross

  • through Health Spending Account only

Co-Operators Life Insurance Co.

  • chronic pain associated with identified medical conditions
  • muscle spasticity in multiple sclerosis (MS)
  • chemotherapy-induced nausea and vomiting
  • prior authorization required

Desjardins Insurance

  • pain related to advanced cancer
  • refractory neuralgia
  • nausea and vomiting caused by chemotherapy
  • spasticity caused by multiple sclerosis or a lesion of the spinal cord
  • 21 years or older plus Prior Authorization required

 

Green Shield Canada

  • chronic neuropathic pain
  • multiple sclerosis related spasticity
  • nausea and vomiting due to cancer chemotherapy
  • must be 25 years or older and have already tried and failed standard treatments

Great West Life

  • no specific disease related criteria. Each case reviewed individually
  • prior authorization form must be submitted

Markers Financial

  • no specific disease related criteria or restrictions.  Each case reviewed individually

 

Manulife

  • stiffness and involuntary muscle spasms in people suffering from Multiple Sclerosis
  • nausea and vomiting in people undergoing chemotherapy
  • chronic neuropathic pain
  • prior authorization required
  • partnered with Shoppers Drug Mart to deliver the medical cannabis program

 

Medavie Blue Cross

  • chronic neuropathic pain
  • refractory pain in palliative cancer
  • nausea and vomiting due to cancer chemotherapy
  • spasticity in multiple sclerosis or spinal cord injury
  • prior authorization required

SSQ Insurance

  • chronic neuropathic pain
  • cancer related pain
  • spasticity secondary to multiple sclerosis or spinal cord injury
  • nausea and vomiting causer by chemotherapy
  • prior authorization required
  • use after traditional prescription drugs deemed ineffective

SunLife Financial

  • severe pain with cancer, or nausea and vomiting with cancer treatments.
  • spasticity or neuropathic pain, with multiple sclerosis.
  • rheumatoid arthritis, when all other standard treatments have failed.
  • anorexia or neuropathic pain, with HIV/AIDS.
  • palliative care
  • prior authorization required