We’re Here to Help!
Many patients are surprised to learn that OHIP does not cover prescription medications in Ontario. If you don’t have private insurance or workplace benefits, paying for medications can feel overwhelming. At LiveYoung Pharmacy, we’re committed to helping you find affordable options and the right support for your health.
What Are My Options Without Drug Coverage?
1. OHIP+ (Youth Under 25)
If you are 24 years old or younger and do not have private insurance, your prescriptions may be covered under OHIP+, Ontario’s youth drug benefit program. This includes most medications on the provincial drug formulary.
2. Ontario Drug Benefit (ODB) Program
If you’re 65 years or older, living in a long-term care home, or receiving Ontario Works or ODSP, you may qualify for the ODB program, which covers most common prescriptions.
3.Trillium Drug Program
For patients with high prescription costs compared to household income, Ontario offers the Trillium Drug Program. After a quarterly deductible based on your income, most eligible medications are covered. Our pharmacists can help with enrollment.
4. Student Insurance Plans
Many colleges and universities in Ontario provide student health plans that cover prescription drugs. If you’re a student, bring your student ID and insurance card — we can direct bill your plan at LiveYoung Pharmacy.
5. IFHP (Interim Federal Health Program) for Refugees
Refugees and protected persons may qualify for the Interim Federal Health Program (IFHP), which covers many prescription medications and essential health services. We are registered to direct bill IFHP so that eligible patients do not have to pay out of pocket.
6. Private Health Insurance
You may purchase an individual or family drug plan, or use benefits provided by your employer. We can bill most insurance providers directly.
7. Pay-as-You-Go (Out of Pocket)
If none of the above applies, you can still save. Our pharmacists will suggest generic alternatives, cost-effective therapy options, and manufacturer savings programs to lower your costs.
Ontario Drug Benefit (ODB) & Senior Deductibles
we help Ontario seniors understand their prescription drug coverage through the Ontario Drug Benefit (ODB) Program. If you are 65 years or older, you are automatically eligible for ODB, which reduces the cost of most prescription medications.
High-Income Seniors: Standard ODB Coverage
- Annual deductible: $100 (paid once every program year: August 1 to July 31).
- Prescription co-payment: Up to $6.11 per prescription after the deductible is met. we waive $2 and you pay 4.11
- Coverage: Applies to most medications listed on the Ontario Drug Benefit Formulary.
Even if you pay the deductible and co-payment, ODB significantly lowers the cost of medications compared to paying out of pocket.
Low-Income Seniors: Seniors Co-Payment Program (SCP)
If your income is lower, you may qualify for reduced prescription costs through the Seniors Co-Payment Program (SCP).
- No $100 deductible.
- Reduced co-payment: No more than $2 per prescription. we waive to zero
- Income limits to qualify:
- Single senior: Net income of $25,000 or less.
- Senior couple: Combined net income of $41,500 or less.
This program is not automatic—you must apply through the Ontario Ministry of Health. Our pharmacy team can guide you through the application process.
How to Apply
- Apply online through the Ontario Drug Benefit forms portal.
- Or call to request a paper application:
- Toronto area: 416-503-4586
- Toll-free: 1-888-405-0405
- You may need to consent to the Canada Revenue Agency (CRA) sharing your income details with the Ministry.
Once enrolled, you’ll receive a confirmation letter and your reduced co-payment will start right away.
Why Choose LiveYoung Pharmacy?
✔️ Free prescription delivery across Milton and surrounding areas
✔️ Direct billing for most student and private insurance plans
✔️ Pharmacists trained to guide you through OHIP+, ODB, and Trillium programs
✔️ Price-sensitive dispensing with focus on generic and affordable options
✔️ Friendly, patient-centered care to ensure you feel supported every step of the way
Take the Next Step
Whether you’re a student, senior, newcomer, or simply without insurance, you still deserve access to safe and affordable medications. Talk to our pharmacists today at LiveYoung Pharmacy — we’ll help you find the coverage or solution that fits your needs.
👉 For more information about the Trillium Drug Program or the Seniors Co-Payment Program, please use the link below.
More Info From Ministry Of Health Website
👉 To apply directly, click the “Apply Online” button.
