Est. 2026 · Canada

FRx

insurance.ca

A field guide to pharmacy benefit carriers in Canada — IDs, rejection codes, refill rules, and every phone number that actually picks up.

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Carriers
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Rejection Codes
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CPhA Codes

The directory

— carriers
§ Verified Apr 2026

Intervention codes

CPhA3 standard · codes
§ Verified Apr 2026
Filter by carrier:
CodeScenarioReferenced by

Programs & coordination

Coordination of benefits, provincial programs, and edge cases
ODB is always first payer (except Trillium)
  • For all ODB-eligible recipients — Seniors, OW, ODSP, Long-Term Care, Home Care, Special Drugs Program — ODB is the first payer. Bill ODB first, then coordinate any remaining balance to private or other plans.
  • Exception: Trillium Drug Program (TDP) recipients with private insurance follow the workflow below — private bills first pre-deductible. GSC-TDP
Trillium Drug Program & private insurance
  • For patients with private insurance, TDP is the payor of last resort in the pre-deductible period. GSC-TDP
  • Private and TDP claims cannot be electronically coordinated at the point of transaction — so the DA intervention code does NOT work between private and TDP. GSC-TDP
  • Workflow: Bill the private plan first. Patient submits receipts manually to TDP; only out-of-pocket amounts on ODB-eligible drugs count toward the deductible. GSC-TDP
  • Once the deductible is met, the patient sends receipts to TDP first for reimbursement on ODB-eligible drugs. In theory, the quarterly deductible means TDP and private alternate as first payer — but in practice, the manual-submission delay (up to 6+ weeks) means private usually remains primary even post-deductible. GSC-TDP
  • At the pharmacy: Pharmacies do not have visibility on a patient's Trillium Drug Program deductible status; the transition of TDP to first-payer status cannot occur automatically. GSC-TDP
innoviCares — middle-position billing
  • innoviCares is a brand-drug loyalty card that pays a portion of the patient's out-of-pocket cost on participating brand-name medications. It is processed on the SmartSTI network. smartsti
  • One private plan only: bill the private plan first, then bill innoviCares for the residual co-pay. smartsti
  • Two private plans (dual coverage): bill the primary plan first → then bill innoviCares → then bill the secondary plan for whatever remains. innoviCares always sits in the middle, not at the end. providerConnect
  • With a provincial plan: the provincial plan is billed first (as the legally required first payer in most provinces), then the rest of the sequence above applies. smartsti
  • Only one brand-loyalty card per transaction — you cannot stack innoviCares with another manufacturer co-pay card on the same claim. providerConnect
ESI Canada — DB vs DA intervention codes
  • If a claim is coordinated between a provincial plan and ESI only, reverse all claims processed on the same claim date and re-submit with DA (not DB). ESI-audit
  • For rejections C6 (patient has other coverage), C4 (coverage terminated), 31 (group number error), DOB error, no record of recipient, overage dependent, or "patient must be in a provincial plan" — reverse the claim and have the patient pay & submit manually. ESI-audit
  • When the drug requires prior/special authorization, ESI returns response code QJ (deferred payment — member/patient to pay pharmacist). The plan then becomes a manual submission. ESI-audit

Ontario Clinical services

Ministry of Health PIN tables · Ontario only

Ontario Ministry of Health Product Identification Numbers (PINs) for publicly funded pharmacist clinical services. Every PIN in this panel was verified against current Ministry Executive Officer Notices.

EO Notices referenced: Minor Ailments (Jan 3, 2024) · Oral Antivirals (Jan 17, 2025) · Ontario Naloxone Program (Jan 28, 2025) · MedsCheck / POP / Smoking Cessation (Professional Pharmacy Services Guidebook)

Printable forms

Calculator + unbranded printable form
Vacation supply calculator
For ODB recipients travelling out of province. Not for Trillium-specific rules.

Form content merged from two pharmacy-specific ODB vacation supply forms with branding removed. Eligibility criteria per the ODB Reference Manual. ODB

Patient assistance

§ Verified Apr 2026

Prescriber licenses

Provincial registrar directories

About this site

Mission, contact, privacy policy, terms of use

FRx Insurance is an independent reference compendium for Canadian pharmacy professionals. It documents publicly available claim adjudication rules, rejection codes, intervention codes, and benefit programs across Canadian third-party payers and public drug plans.

The content is compiled from provider manuals, executive officer notices, regulatory authority publications, and other primary sources. Each entry is accompanied by a citation linking back to the original document where possible.

This site is not affiliated with, endorsed by, or sponsored by any insurance carrier, pharmacy benefit manager, adjudicator, regulatory authority, or government body referenced herein. All trade names and trademarks remain the property of their respective owners.

Contact

Questions, corrections, or feedback

Email: info@frxinsurance.ca

Corrections, source suggestions, and factual feedback are welcome. Response time is best-effort.

Privacy policy

Effective April 13, 2026

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Changes: this privacy policy may be updated from time to time. The effective date at the top of this section indicates when it was last revised.

Terms of use

Disclaimer and limitations

Reference only — not a substitute for primary sources. The content on this site is provided for informational and educational purposes. It is compiled from publicly available documents and may not reflect the most current version of carrier policies, regulatory rules, or drug benefit formularies. Always consult the relevant carrier's pharmacy provider manual, the Ontario Drug Programs Reference Manual, or other authoritative primary source before making claim adjudication or clinical decisions.

No warranty. This site is provided "as is" without any representations or warranties, express or implied. The operator makes no representations or warranties about the accuracy, completeness, suitability, or validity of any information on this site and will not be liable for any errors, omissions, or any losses, injuries, or damages arising from its display or use.

Not professional advice. Nothing on this site constitutes legal, financial, clinical, or professional advice. Pharmacists and other healthcare professionals are responsible for exercising their own professional judgment and for complying with the regulatory and legislative requirements of their jurisdiction.

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Contact. Questions about these terms may be sent to info@frxinsurance.ca.