Insurance and Taxes: Medical Cannabis in Quebec

Medical cannabis is increasingly recognized for its therapeutic benefits. It raises many questions, particularly regarding insurance coverage in Quebec.

Here is everything you need to know about medical cannabis and how it is treated for tax and insurance purposes.

1. RAMQ coverage of medical cannabis

Even today, the Régie de l’assurance maladie du Québec (RAMQ) does not cover the cost of medical cannabis treatment. However, it does cover the costs of the medical evaluation required to obtain a prescription for medical cannabis.

2. Medical cannabis on the tax return for medical expenses

Did you know that you can claim expenses related to medical cannabis on your tax return? Although the RAMQ does not reimburse these costs, the federal government allows you to include them in your medical expenses. This option could provide you with a tax break.

Good to know: Be sure to keep all your receipts for these purchases and consult a tax professional to ensure you maximize your refund.

3. Private insurance coverage for medical cannabis

Some private insurance companies in Quebec are beginning to offer coverage for medical cannabis. This reimbursement is often available through health spending accounts or as part of group insurance plans.

It is therefore important to check with your insurance provider for the specific details of your coverage. If you are part of a group plan through your employer, it is worth contacting your human resources department to get more information about the available options.

4. Medical cannabis coverage for veterans

Canadian veterans are eligible for special coverage for medical cannabis through Veterans Affairs Canada (VAC). The cost of medical cannabis is reimbursed for eligible veterans, but with certain limits. For example, the current policy sets a reimbursement limit of three grams of dried cannabis per day, or its equivalent in other forms. For larger quantities, a medical justification is required, typically in the form of an evaluation by a specialist.

5. The process for veterans to access cannabis

To access this coverage, veterans must obtain a prescription from a healthcare professional, such as a doctor or nurse practitioner, in accordance with Health Canada’s cannabis regulations. They must then register with a federally licensed seller to obtain their medical cannabis.

6. The Importance of a Medical Consultation

Although medical cannabis is not covered by public health insurance in Quebec, there are several tax options available to you depending on your situation. However, a medical consultation is required before starting any treatment to ensure your safety and the treatment’s effectiveness. A professional at the SCM Clinic will determine the best treatment for your condition and help you understand the associated legal and medical implications.