CGIB June 2016 Newsletter



We currently have an opportunity for a dynamic, results oriented Sales Consultant in the Northern Alberta region. The successful candidates’ primary role will be to increase the Living Benefits sales through our existing advisors, as well as recruit, train and develop new advisors within the region.

Aidan Mackenzie ? Vice President – Sales   ?  The Edge Benefits Inc. ?  289 – 926 6723     




If you are interested in becoming a public speaker, honing your communication skills, or just getting more comfortable with being in front of a group, consider Toastmasters International and the following….

The Infrastructure Ontario office has an ‘open’ club (members from all walks of life, not just IO employees)… and it’s called IO Speaks.

Located in the office tower attached to Eaton Centre at 1 Dundas West (20th flr).

The Open House will be held on June 1st.

Please let me know if you can share this with anyone who may be interested, prior to that, or visit as a guest at a regular Wednesday 12:00-1 PM meeting.

They can send me an email at or get ahold of me through


Articles and Interesting reading


The end of incentive trips is the beginning of better independent advisors


Drug Spend Jumps

After years of the annual growth of drug spend at Green Shield Canada hovering between two and four per cent, 2015 saw a jump to over nine per cent, says its ‘Inside Story.’ While in previous years it was middle-aged chronic disease sufferers who had been driving up costs over time, in 2015 it was the five per cent who are the most expensive prescription drug users. In 2014, and in the years that preceded it, they accounted for 45 per cent of the total drug spend. In the 2015 study, this rose to 50 per cent. The entry-level annual spend for this group is $2,200. While those who have chronic diseases such as hypertension, diabetes, and cholesterol did contribute to the increase, it was another group patients who are using very, very expensive drugs to treat rheumatoid arthritis, Crohn’s and colitis, and cancer, and a major new entrant to this list of disease states. This one per cent account for 30 per cent of the total drug spend and have an average spend of $17,500 per plan member per year. And basically plan members getting older, sicker, and using more drugs was not the predominant factor in 2015, it was specialty drugs. The cost of these drugs went up by 2.3 per cent in the study period.


Employers face $5.6-billion specialty drug spend in next 5 years


Groups provide medical cannabis recommendations


Zenefits was the perfect startup. Then it self-disrupted


High-cost Drugs Threaten Benefits

High-cost specialty medications threaten the ability of employers to continue to offer a comprehensive prescription drug benefit to their employees, says Express Scripts Canada. Its annual ‘Drug Trend Report’ says spending by Canadian employers on specialty drugs ? those used to treat chronic, complex conditions such as cancer and hepatitis C ? is expected to nearly double to $5.6 billion for private plans by 2020. Adding to concerns about newly approved treatments costing hundreds of thousands of dollars per patient are the 7,000 drugs currently in the development pipeline, most of which are specialty medications. At the same time, the number of patients requiring these treatments is rapidly increasing.


Parker Conrad reportedly sold $10 million in stock before resignation


Insurance-based benefits: selling clients on these less-sexy options


Drug pooling plans still face many barriers


Best practices for salespeople who work at homePart 1


Selling insurance without traditional agents


Small Plans Face Radical Changes

Small and mid-sized employers face higher drug plan costs which are forcing them to make radical plan changes, says Dave Patriarche, of Mainstay Insurance Brokerage. In the CPBI Forum session ‘What’s Going On in Small and Mid-sized Drug Plans: A Broker/Client Perspective,’ he said they face higher costs because insurers are administering plans on a more experience based model which means employers with high claims pay more. As well, they have raised stop loss attachment points from zero to $5,000 and $7,000 with some now at $12,500. Among the devices brokers are recommending to their clients are drug caps from $1,000 to $50,000; rules that exclude specific drugs or drug classes; and defined contribution health spending accounts to control costs. Part of the issue is that insurers want to get out of the risk market. This is an issue, he said, because, for example, once a drug cap is put on a plan, the employer can never bring it back. Once instituted, insurers will likely to not allow the removal of the cap. As well, small employers are starting to wonder why they are responsible for paying for employee drug costs, why provinces aren’t picking up the costs, and what benefits can be cut if costs rise. One solution, he said, is to move to fully pooled plans. This is happening in the U.S. and is slowly being adopted in Canada. In these plans, the risk is shared, rates are balanced, there is no stop loss, and administrative costs are lower.


Head of Power Financial warns against banning commissions

Group benefits fraud: everyone has a part to play


Selling insurance-based benefits


As Zenefits stumbles, Gusto grabs chance to get into insurance biz


Genetic testing bill perpetuates myths and fears


Private insurers want in as governments boost bulk-buying power


Canada Lags In Drug Wait Times

Canadians face wait times of about 449 days in order to get access to new, potentially life-saving medicines in public drug plans, says an IMS Health Canada Inc. report commissioned by Innovative Medicines Canada. The ‘2016 Access to New Medicines in Public Drug Plans: Canada and Comparable Countries’ finds Canada’s public drug plans are seriously lagging compared to other similar OECD nations. It found in Canada that 59 per cent of cancer medicines were covered in public drug plans, ranking Canada in 17th place of 20 countries. Canadian public drug plans placed reimbursement conditions on 90 per cent of new medicines, ranking Canada 17th of 20 countries. In Canada, only 23 per cent of new biologic medicines were reimbursed in public drug plans, putting Canada in 19th place of 20 countries.”Compared to similar countries, Canadian patients have access to fewer new medicines and also face long delays for the drugs that are covered under public drug plans,” says Brett Skinner, executive director, health and economic policy, at Innovative Medicines Canada.


Seminars and Educational Events


Nelson Johnson Memorial Golf Invitational (aka the CGIB Golf Tournament)
Thursday, August 18th, 2016

Come on out for a fabulous day of golf at Whitevale Golf Club, a private course in the town of Whitevale near Pickering, and raise money for Broad Reach Foundation. This will be our 12th year for the event, which is held in honour of Nelson Johnson, an avid golfer before he passed away far too prematurely.


EMPIRE LIFE Complimentary Seminar

2016: What Does Harassment Mean Now?

Express Scripts Canada Drug Trend Report

Managing drug benefits effectively requires accurate and up-to-date information. In this webinar, Express Scripts Canada will review its annual Drug Trend Report, which provides analysis and insight into usage of prescription medication in the private sector.

John Herbert, Director, Strategy, Product Development & Clinical Services, Express Scripts Canada

June 21, 2016
1:30-2:30 p.m. Eastern (10:30-11:30 a.m. Pacific; 11:30-12:30 p.m. Mountain; 12:30-1:30 p.m. Central; 2:30-3:30 p.m. Atlantic)

Seats are limited, so register today to reserve yours. You will receive 1 CE credit for each webinar you attend.



Demystifying Pharmacogenetics:

its evolution and challenges

Access to the right medication often means prompt, optimal recovery, while an inappropriate medication can result in negative side effects for patients and sometimes significant cost increases for insurers.

The panelists in this webinar will discuss the basics of pharmacogenetics and its potential for delivering improved care. Today’s pharmacogenetics can:

anticipate how a patient will respond to certain medications by studying their genotypes;

optimize the prescription process with a view to reducing treatment costs;

expedite positive patient outcomes.

 Our panelists will describe the evolution of this burgeoning science and the issues relating to it, and describe its potential impact on group insurance plans.

Wednesday June 15th from 12PM to 1PM

Click here to register


The TELUS Health Team

/Left Column



Actively Managed Drug Solutions Advisor Webinar

More than half (52%) of Canadians over the age of 20 have a chronic health condition; 15% have more than two. And while half of all Canadians take at least one prescription drug, 37% of those with chronic disease take four or more. Chronic disease, drugs, and disability. How are they related? What can you do to protect your customers’ drug plans, and how can Actively Managed Drug Solutions help? 

Rising rates of chronic disease, poor adherence to drug treatments, surging specialty drugs, and wasteful spending are creating a perfect storm that has the power to sink many drug plans.

Looking for new ways to help customers better manage their drug benefit costs? Please join us for a special briefing on our Actively Managed Drug Solutions, introduced last month. 


Janet Jackson, Vice President, Group Marketing at Empire Life

June 15, 2016

1:30-2:30 p.m. Eastern (10:30-11:30 a.m. Pacific; 11:30-12:30 p.m. Mountain; 12:30-1:30 p.m. Central; 2:30-3:30 p.m. Atlantic)

There is no CE credit for this webinar, as it is specific to Empire Life products and services.

Do you have a question about Actively Managed Drug Solutions? Your Empire Life Account Executive will be happy to help!

Like to read more? Here are the sources for the above statistics:


Complimentary Webinar


Subsequent Entry Biologics (SEBs): Private Payer Policy Updates and Patient Considerations

Mapol Inc. invites you to attend a complimentary webinar sponsored by Merck Canada

The Webinar will be held on Tuesday, June 21, 2016 from 1:00 p.m. to 2:00 p.m., Eastern Daylight Time

Webinar Agenda:

Cheryl L. Koehn, Founder and President, Arthritis Consumer Experts, will share a patient perspective on SEB treatment options in rheumatoid arthritis.

Ned Pojskic, Pharmacy Strategy Leader, Green Shield Canada will discuss the new Green Shield Canada SEB Policy.

The Learning Objectives for the session are to:

  • Understand patient perspectives related to SEB treatment options
  • Provide an overview of key considerations for the adoption of SEBs into private payer plans
  • Learn how one insurer is implementing a SEB policy 
  • Understand key SEB policy considerations when including SEBs in your drug plans

To register:

  1. Click the registration link.
  2. Click “Register”.
  3. On the registration form, enter your information and then click “Submit”.

An application for CE credits has been submitted to the Institute for Advanced Financial Education.

Please note, this complimentary webinar is limited to invited guests including insurers, PBMs, TPAs, benefits consultants, and employers.


Tuesday, June 21, 2016

1:00 to 2:00 p.m. EDT


Cheryl L. Koehn, Founder and President, Arthritis Consumer Experts

Ned Pojskic HonBsc, MSc, PhD, Pharmacy Strategy Leader, Green Shield Canada

If you have any difficulty with registering, please contact Corinne at

Mapol Inc. | 1-877-98-MAPOL (62765) | | Toronto | Montréal | Ottawa 

Copyright © 2016 Mapol Inc. | All rights reserved.


Announcing the 2015-16 BBC Season!

June 9, 2016: New Drug Developments, Trends and Forecasting of Drug Plan Budgets – Burlington


June 09-10, 2016

The Ritz-Carlton Hotel, Toronto

Did you know that approximately one-half of Canadians 20 years and older have a chronic disease? The high prevalence of chronic disease in the working-age population is costly for employers. So what can you do to get chronic disease, and its associated costs, under control? What are the root causes of chronic disease? What can you do to prevent your employees from developing chronic diseases? And what if it’s too late? How can you treat and manage chronic diseases in your workplace? This year’s Healthy Outcomes Conference will answer these questions and help you create a healthier workforce.

The annual Healthy Outcomes Conference (HOC) is an exclusive forum for senior-level decision makers to discuss improving employee health outcomes and enhancing organizational performance. This closed-door interactive meeting will feature expert presentations and help facilitate dialogue about common challenges and innovative solutions for improving employee health and productivity.

Sessions include:

  • Health Benefits Strategies for Millennials – How to Keep Them Healthier Than Their Parents
  • Obesity as a Workplace Chronic Disease: Myths, Facts, and Shifting Employer Attitudes

For more information, visit:


Independent Financial Brokers’ 2016 Summits and Events

Toronto Spring Summit

  • Dates: 01 – 02 Jun, 2016
  • Location: The International Centre

Further your understanding of the financial services landscape by hearing from speakers and organizations that know the latest developments in the industry. IFB’s Toronto Summit gives you a chance to earn valuable CE credits, take in informative presentations, and network with other financial services professionals. See all that we have on deck for our next event byclicking here.

Early bird pricing:

$124.00 for IFB Members ($149.00 after May 6)

$224.00 for Non-Members ($249.00 after May 6)

Prices do not include tax.

Click on “Register” below to reserve your spot at the Summit.


For the last 19 years, The Sanofi Canada Healthcare Survey has been the reference tool to assess Canadians’ perceptions of their own health benefit plans.

Join us to discuss the 2016 survey results.


Lauren Harris at


Tuesday, June 14th, 2016

Breakfast: 7:45 a.m.

Session: 8:30 a.m. – 10:00 a.m.



May 26, 2016


Making Canada Better 2016

Tuesday, November 22

Dear Partner,

On Tuesday, November 22, 2016, Innovative Medicines Canada will host its annual stakeholder conference – Making Canada Better 2016 – bringing together individuals and organizations from across the spectrum of life sciences and healthcare in Canada.

Building on Making Canada Better 2015’s success and a strong history of collaboration and stakeholder engagement, we invite you to save-the-date for this full-day event at the Metro Toronto Convention Centre that will spark important conversations about how we can continue collaboration to improve health outcomes for Canadians.

In addition, the Health Research Foundation (HRF) of Innovative Medicines Canada, in partnership with Prix Galien Canada and Research Canada, will host its annual awards ceremony. Please plan to join us for this celebration of life sciences research in Canada immediately following the conference. On-line registration will open in August. For more information, contact Hugh Scott at

A detailed invitation and conference agenda will follow.

Thank you for your continued commitment and collaboration.


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