What will you pay out of pocket?
Enter your BC PharmaCare plan and drug price — we'll show you exactly what you're expected to pay and what the province covers.
How BC PharmaCare covers your drugs
Your income sets your deductible
Fair PharmaCare uses your net family income to calculate how much you pay before coverage kicks in.
You pay until you hit the deductible
Once you've spent your annual deductible on eligible drugs, PharmaCare starts covering 70% of remaining costs.
After the family maximum — 100% covered
Once your family's total out-of-pocket eligible drug spend reaches the annual maximum, PharmaCare covers everything.
Which plan are you on?
BC PharmaCare has several programs. Select yours in the estimator below to get the most accurate result.
Fair PharmaCare
Who it's for
Most BC residents
Key benefit
Income-scaled deductible; 70% coverage above deductible
Income Assistance
Who it's for
BC income or disability assistance recipients
Key benefit
100% of eligible drugs — no deductible
Long-Term Care
Who it's for
Licensed long-term care facility residents
Key benefit
Full coverage for eligible drugs dispensed in facility
At-Home Program
Who it's for
Children with severe disabilities
Key benefit
Full coverage for approved home-care medications
Mental Health
Who it's for
Qualifying psychiatric patients
Key benefit
Eligible psychiatric medications covered in full
First Nations
Who it's for
Status First Nations clients in BC
Key benefit
Full coverage through First Nations Health Benefits
Run the numbers
Enter your plan and drug price to see your estimated out-of-pocket cost instantly.
Which plan are you on?
Most BC residents — coverage scales with your family income.
Prescription details
Live estimate
Estimate onlyNumbers move as you change inputs — none of this charges you.
This is an estimate, not a final price. The pharmacist confirms your actual out-of-pocket cost when processing your order — based on the dispensed product, your pharmacy's dispensing fee, and your insurer's real-time adjudication.
About this estimate
This tool models BC PharmaCare deductible and family-maximum rules using income brackets published by the BC Ministry of Health. Real-world pricing depends on the dispensed product, any private insurance you carry, and the pharmacy's dispensing fee. For an authoritative number, ask your pharmacist after they submit the claim to PharmaNet.