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JointHealth™ insight  Published December 2024


JointHealth Insight
Understanding the Private Health Insurance Experience for People with Arthritis Living in Canada

Private health insurance plays an important role in the lives of people with arthritis living in Canada. Private health insurance typically provides coverage for medications and other essential services to help people manage their osteoarthritis and/or inflammatory arthritis (like rheumatoid arthritis, ankylosing spondylitis, psoriatic arthritis, and lupus). Arthritis Consumer Experts (ACE) surveyed its arthritis community members to better understand their experiences and challenges with their private health insurance plan, with close attention paid to the experience of Black, Indigenous, person of colour (BIPOC) and those currently receiving reimbursement coverage for a biologic
(originator or biosimilar) medicine.

Who were the Survey respondents?

  • 170 respondents (English and French)
  • 66% identified as women / 32% as men
  • 1 in 5 respondents identified as BIPOC
  • 48% of respondents live in large urban centres / 16% in small-medium sized communities / 13% in rural or remote communities
  • 146 respondents reported that they were currently receiving private health insurance reimbursement coverage for an originator biologic (65), biosimilar biologic (45), or targeted synthetic DMARD (36)
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Key Survey Findings
Ease of reimbursement
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Support services
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Delays and declines
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Preauthorization challenges
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Affordability of coverage
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BIPOC Experiences
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Experience of respondents on advanced therapies
Getting medication reimbursement coverage for more costly biologics (originator and biosimilar) is even more challenging and often requires going through a confusing administrative process with a stream of complicated paperwork.

Some private drug plans have begun introducing policies to expand the use of biosimilars to reduce healthcare costs while maintaining or improving care.

There were no significant differences in the experience of respondents receiving coverage for biosimilars and those on originator biologics in the areas of affordability, access to care, and patient support services.
Survey respondents currently on originator or biosimilar biologics report same degree of changes with...
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These issues have a direct impact on the abilityy of individuals to manage their inflammatory arthritis effectively and maintain their quality of life.
Impacts on arthritis care
Private health insurance plan members living with arthritis face serious
obstacles, including...
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These are barriers that can lead to worsened health outcomes, including increased pain deformation and disability, and dimished quality of life for plan members living with arthritis.
Research-based recommendations for private health insurance industry
Comprehensive coverage
  • Expand coverage for essential arthritis medications.
Streamline reimbursement
  • Simplify processes to ensure timely access to medications.
Transparent preauthorization
  • Ensure clear guidelines and timelines for approvals.
Affordability programs
  • Provide financial support, including full premium coverage if needed.
Enhance plan member support services
  • Increase access to disease management programs and digital tools.
Improve communication
  • Educate plan members on navigating insurance processes and available resources.
Address health inequities
  • Focus on equitable access for underserved populations, including plan members from BIPOC communities.

Listening to you

We hope you find this information of use. Please tell us what you think by writing to us or emailing us at feedback@jointhealth.org. Through your ongoing and active participation, ACE can make its work more relevant to all Canadians living with arthritis.


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Arthritis Consumer Experts (ACE)

Who We Are

Arthritis Consumer Experts (ACE) and its team members acknowledge that they gather and work on the traditional, ancestral and unceded territory of the Coast Salish peoples -ʷməθkʷəy̓əm (Musqueam), Sḵwx̱wú7mesh (Squamish), and Səl̓ílwətaʔ/Selilwitulh (Tsleil-Waututh) Nations.

Arthritis Consumer Experts (ACE) operates as a non-profit and provides free research based education and information to Canadians with arthritis. We help (em)power people living with all forms of arthritis to take control of their disease and to take action in healthcare and research decision making. ACE activities are guided by its members and led by people with arthritis, scientific and medical experts on the ACE Advisory Board. To learn more about ACE, visit www.jointhealth.org


Disclosures

Over the past 12 months, ACE received financial and in-kind support from: Amgen Canada, Arthritis Research Canada, Arthritis Society Canada, Biogen Canada, Canadian Biosimilars Forum, Canadian Rheumatology Association, Celltrion Healthcare Canada, JAMP Pharma, Novartis Canada, Organon Canada, Pfizer Canada, Sandoz Canada, UCB Canada, and the University of British Columbia.

ACE also received unsolicited donations from its community members (people with arthritis) across Canada.

ACE thanks funders for their support to help the nearly 6 million Canadians living with osteoarthritis, rheumatoid arthritis, psoriatic arthritis, ankylosing spondylitis and the many other forms of the disease.


Disclaimer

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