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Important notice

COVID-19: Answers to your questions

Certain services are available by appointment only at our Montréal and Québec reception desks. No one without an appointment will be seen. For a list of the services offered by appointment, or if you have any questions, refer to the webpage Questions and answers about our services during the pandemic.

New couple

When 2 persons form a new couple, they usually have to take certain steps regarding their health and prescription drug insurance coverage.

Procedure concerning health insurance

Persons insured by the Health Insurance Plan who have a new spouse must call RAMQ or visit an office of RAMQ during office hours to report a change in their civil status.

Having a new spouse may also affect your prescription drug insurance coverage. It is therefore important to make sure you're covered by the right plan.

If your new situation involves a move for you or your children, refer to the section on moving for information about changes of address.

Procedure concerning prescription drug insurance

When 2 persons form a new couple (when the law considers them spouses), they must usually take certain steps to make sure they are covered by the right prescription drug insurance plan.

Persons covered by a private plan must obtain coverage under that plan for their spouse, at least for the prescription drug portion. Prescription drug coverage is most often included in a plan covering other health care (called a health insurance plan), but is sometimes offered alone.

However, these persons are not required to obtain coverage for their spouse if he or she is already covered by another private plan.

When one spouse is covered by a private plan and the other by the public plan

Persons covered by a private plan are required to obtain coverage under that plan for their spouse. Furthermore, since the spouse becomes ineligible for the public plan, he or she must deregister from it by contacting RAMQ.

When one of the 2 spouses already has children

If the parents do not share the same domicile, the child must be covered by the private plan of the parent with whom he/she is domiciled. If that parent is not eligible for a private plan, the child must have coverage under the private plan of the other parent. A person may be eligible for a private plan through employment or through membership in a professional order or association.

If both parents are ineligible for a private plan, they must be registered for the public plan, under which their child will be covered as well.

However, if one of the parents becomes the spouse of a person eligible for a private plan, that parent must be covered by that plan, as must the parent's child if he/she is domiciled with the couple.

When both spouses are covered by a private plan

When both members of a couple are eligible separately for a private plan, they may join their respective private plans or they may both join the plan best suited to their situation.

Neither spouse is allowed to be covered by the public plan. If one of them is mistakenly registered for the public plan, he or she must deregister from it by contacting RAMQ.

When both spouses are covered by the public plan, administered by RAMQ

When 2 persons covered by the public plan form a new couple, they are both allowed to retain their public plan coverage. They must, however, notify RAMQ that they have become spouses.

Maximum annual contribution

There is a maximum annual amount that insured persons may be required to pay for their drug purchases. As a general rule, the private insurer or RAMQ sees to it that this maximum is not exceeded. However, persons who change insurance plans and believe they will reach their maximum annual contribution before the end of the year must themselves inform their new insurer of the amount of their contributions.