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Looking for Better Ways to Help Balance Cost Management and Employee Protection?

5 + 5 = Intelligently Designed Drug Solutions to Help You Get It Just Right

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What Makes Empire Life the Smart Choice?

One of the lowest benefit cost trends in the market*, thanks in no small measure to our innovative drug programs
  • Our drug plans come with built in features that deliver cost management and health management
  • We offer a comprehensively managed drug plans to optimize benefit investment
Specialization in small to mid-sized companies
  • Over 90 per cent of our customers employ between 2—200 people, so we’re highly attuned to the needs of small and medium-sized business
  • We get it. Time and resources are tight for small business owners. We ease the burden of complexity with solutions that are well thought through, easy to understand, flexible, and fairly priced
  • Our $7,500 drug-only pooling option can help protect customers from the full impact of high cost drugs**

 
*Based on a June 2018 industry trend survey **Not available in the province of Quebec

Supporting Employees With Chronic Conditions Is Key to Cost Control

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Treat chronic conditions

  • Inflammatory conditions and diabetes are the top two classes of maintenance drugs— 20.8% of spend

  • Increased diabetes is, “a red flag… associated with higher rates of other diseases and conditions”2

  • New guidelines advise treating diabetes patients for high blood pressure and cholesterol—even when levels are normal— to protect bodily organs. This adds cost to plans.

Our solutions

Expert pharmacy benefit manager

A market leading specialty
drug program

Maintenance drug program

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20% of Claimants Account for 80% of Overall Drug Plan Costs

  • Their drug costs are 15 times greater than other claimants1

  • 18 of the 20% take only traditional drugs

  • Focusing only on high cost specialty drugs is a missed opportunity

Our solutions

Expert pharmacy benefit manager

A market leading specialty
drug program

Well balanced prior authorization

Maintenance drug program

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Specialty Drugs Continue to Drive Cost Increases

  • They outweigh savings from generics and other cost controls

  • They account for 2% of claims and 31% of total spend in 2017—up from 15% in 2008

  • They now treat chronic conditions— like COPD and high cholesterol—previously treated only with traditional drugs

Our solutions

Expert pharmacy benefit manager

A market leading specialty
drug program

Well balanced prior authorization

Drug only pooling

1 All data in this table is from the Express Scripts Canada Prescription Drug Trend Report, 2018, except where otherwise noted
2 The Chief Public Health Officer’s Report on the State of Public Health in Canada 2017