Developing a serious illness, injury or disability is not only a difficult diagnosis to handle- but it can also be expensive! Knowing how to pay for your medication is an important, and often, daunting task as treatment costs continue to skyrocket. Even in Canada where healthcare is said to be "free", many are left wondering, "How will I pay for my expensive medication if I become unemployed?" or "What will I do if I am denied Long-Term Disability benefits?" Only about 40 per cent of Canadians have private drug insurance (about half of those have catastrophic coverage), 40 per cent have public health insurance (with big differences in deductibles and co-payments) and 20 per cent have no coverage and have to pay for drugs out-of-pocket. Ultimately, coverage depends on where people live and where they work. Young, self-employed, and middle-income earners in smaller provinces are the most vulnerable. Consider this: A person with a $20,000 annual drug bill - not unusual for a cancer patient or someone with a chronic condition like rheumatoid arthritis - would pay nothing in the Northwest Territories, roughly $1,500 in Quebec, $8,000 in Saskatchewan and $20,000 in Prince Edward Island (Cost of Drugs, 2015). This is incredibly inconsistent!