Cost-related non-adherence to prescribed medicines among older adults: a cross-sectional analysis of a survey in 11 developed countries.

OBJECTIVES: To assess the effects of costs on access to medicines in 11 developed countries offering different levels of prescription drug coverage for their populations.
DESIGN: Cross-sectional study of data from the Commonwealth Fund 2014 International Health Policy Survey of Older Adults.
SETTING: Telephone survey conducted in 11 high-income countries: Australia, Canada, France, Germany, the Netherlands, New Zealand, Norway, Sweden, Switzerland, the UK and the USA. PARTICIPANTS: 22 532 adults aged 55 and older and living in the community in studied countries. PRIMARY OUTCOME MEASURE: Self-reported cost-related non-adherence (CRNA) in the form of either not filling a prescription or skipping doses within the last 12 months because of out-of-pocket costs.
RESULTS: Estimated prevalence of CRNA among all older adults varied from <3% in the France, Norway, Sweden, Switzerland and the UK to 16.8% in the USA. Canada had the second highest national prevalence of CRNA (8.3%), followed by Australia (6.8%). Older adults in the USA were approximately six times more likely to report CRNA than older adults in the UK (adjusted OR=6.09; 95% CI 3.60 to 10.20). Older adults in Australia and Canada were also statistically significantly more likely to report CRNA than older adults in the UK. Across most countries, the prevalence of CRNA was higher among lower income residents and lower among residents over age 65.
CONCLUSIONS: Observed differences in national prevalence of CRNA appear to follow lines of availability of prescription drug coverage and the extent of direct patient charges for prescriptions under available drug plans. Published by the BMJ Publishing Group Limited. For permission to use (where not already granted under a licence) please go to http://www.bmj.com/company/products-services/rights-and-licensing/.

Study is based on a large, cross-national survey of self-reported cost-related non-adherence (CRNA) in 11 comparable, high-income countries.

Crude and adjusted odds of CRNA are reported for all older adults and stratified by age and income groups.

Differences in access to medicines are compared with the extent of coverage offered in countries studied.

Survey data may be limited by response rates, recall bias and potential social desirability bias.

Introduction

Universal access to necessary medicines is an important goal of national health systems.1 Almost all developed countries provide universal coverage of prescription drugs; however, there are potentially important differences in the extent of coverage offered.2 Some countries apply various forms of cost-sharing on prescription drug purchases in the community setting, whereas others cover such prescriptions at little or no direct cost to patients. Furthermore, neither the USA nor Canada has thus far achieved universal coverage of essential medicines, leaving significant segments of the populations in those countries with effectively no prescription drug coverage at all.3 4

There are many reasons for patients to choose not to use a medication.5 6 Some of these reasons, including side effect, intolerance or preference for non-pharmacological treatment options, are ones that providers and policymakers should respect—particularly if based on reasoned decision-making by informed patients. Other reasons for not using medicines as prescribed are more problematic for healthcare providers and society as a whole. Costs are a common and problematic cause of prescription non-adherence, with studies showing that financial barriers to accessing necessary medications are correlated with worse health outcomes and increased use and cost of other health services.7 8

The purpose of this study was to assess the effects of direct patient costs on access to medicines in 11 developed countries in Europe, North America and Australasia. We hypothesise that cost-related access barriers will be higher in countries without universal coverage for pharmaceuticals (the USA and Canada) than in countries providing universal coverage of prescription drugs at little or no direct cost to patients (eg, the UK). Further, because many of the health systems studied (including the USA and Canada) provide greater coverage of medication costs for persons over age 65, we hypothesise that access will be higher and cross-national differences lower among that age group.

Methods

This is a secondary, cross-sectional study of data from the Commonwealth Fund 2014 International Health Policy Survey of Older Adults.9 This survey included 11 high-income countries: Australia, Canada, France, Germany, the Netherlands, New Zealand, Norway, Sweden, Switzerland, the UK and the USA. It focused on older adults, defined as persons aged 55 and above.

Participants from all but two of the countries surveyed were eligible for universal health coverage that included universal coverage of outpatient prescription drugs—see table 1. Residents of the USA may or may not have either health or pharmaceutical coverage depending on their age, occupation, income and decision to enrol for coverage under the Affordable Care Act.3 Residents of Canada are eligible for universal public health insurance for medical and hospital care but may not have access to either public or private prescription drug coverage as such coverage varies in Canada by age, occupation, income and province of residence.10

Table 1

Summary of outpatient prescription drug coverage in study countries, 2016

Country	Outpatient prescription drug coverage	Dominant source of pharmaceutical financing (%)	Standard patient charges for reimbursable prescriptions	Change in subsidy at age 65+
Australia	Universal	Public (49%)	£21.91 (AU$38.30)	Yes—lower copayment of £3.55 (AU$6.20)
Canada	Non-universal	Mixed financing*	Varies by drug plan	Eligible for public drug coverage in several provinces
France	Universal	Social insurance (70%)	35–70% coinsurance	Indirect—coinsurance waved for chronic illness
Germany	Universal	Social insurance (79%)	£4.19–8.38 (€5–10) copayment	Yes—copayment exemptions
Netherlands	Universal	Social insurance (80%)	None	No
New Zealand	Universal	Public (63%)	£2.76 (NZ$5)	Indirect—no copayments once household exceeds 20 prescriptions in year
Norway	Universal	Public (57%)	38% coinsurance	Indirect—annual patient contribution capped at £216 (kr2185)
Sweden	Universal	Public (52%)	£96.67 (kr1100) annual deductible and 10–50% coinsurance	Indirect—annual patient contribution capped at £193.34 (kr2200)
Switzerland	Universal	Social insurance (65%)	Annual deductible (chosen by patient with insurance plan) and 10% coinsurance	No
UK	Universal	Public (66%)	None in Scotland, Wales and Northern Ireland; £8.20 copayment in England	Yes—copayment exemption in England
USA	Non-universal	Private (36%)	Varies by drug plan	Yes—eligible for Medicare drug benefit

*Public payment, private insurance and out-of-pocket charges finance approximately equal shares of total pharmaceutical spending outside hospitals (30–34% each).

Sources: OECD Health Database and authors’ review of coverage system information provided by managers of public and statutory health systems in each country, June–August 2016.

Patient contributions for reimbursed prescriptions vary across the 11 countries included in this study—see table 1. General beneficiaries under Australia's universal public drug plan, for example, face a relatively high copayment of £21.91 (AU$38.30) per prescription (or the full prescription cost if less than the copayment). In contrast, reimbursed prescriptions are available at little or no cost in several countries, including the Netherlands, New Zealand and parts of the UK.

Patient age can have direct or indirect impacts on available coverage for medicines in the countries studied. Being over age 65 can have the direct effect of increasing eligibility for public drug subsidies in the USA and Canada. Older age can also have a direct effect on patient charges under otherwise universal systems of drug coverage: such as in Australia, Germany and England, where prescription charges are reduced or eliminated for older patients. Finally, older patients may benefit from policies aimed at limiting the out-of-pocket cost of medicines for patients with significant pharmaceutical needs, such as in France, New Zealand, Norway and Sweden.

Data sources

We used the Commonwealth Fund 2014 International Health Policy Survey of Older Adults.9 This survey was conducted between March and May 2014 by telephone to landline and mobile numbers. The survey was based on a common questionnaire that was translated and adjusted for country-specific wording as required. The survey transcript is available from the Commonwealth Fund.11 Participants in the survey had to be aged 55 or older and living in the community.

Variables

Our primary outcome variable was whether or not a survey respondent had experienced cost-related non-adherence (CRNA). Survey respondents who reported that they had received at least one prescription and that they had either not filled a prescription or had skipped doses within the last 12 months because of out-of-pocket costs were considered to have experienced CRNA. Those who responded that they ‘did not know’ to whether or not they did not fill a prescription or skipped doses because of costs were coded as not having experienced CRNA. To the best of our knowledge, survey questions of this sort are the only comparable access measures for cross-national studies of CRNA.

Informed by existing literature and models of access to care and health services usage,5 6 12 we selected survey questions concerning age, sex, income and health status as potential predictors of CRNA. We classified age into two groups of primary interest: aged 55–64 versus age 65+. We included self-reported income using the Commonwealth Fund's definitions: above average, average and below average. We aggregated self-reported health status into three categories: very good, good and either fair or poor.

In all models comparing CRNA across countries, we used residents of the UK as the reference group.

Statistical methods

We computed the sample-weighted CRNA prevalence for each country. Weighting was done with the Commonwealth Fund sample weights to reflect general populations at the national level in each country.

We also ran sample-weighted logistic regressions to determine the associations between CRNA and potential predictors (age, sex, income and health status). We performed pooled and stratified analyses based on age and based on income. For all analyses, a value of p<0.05 was considered statistically significant. We report Nagelkerke/Cragg pseudo R2 statistics for each regression. All analyses were performed using SPSS (Statistics V.20) (IBM Analytics, New York, USA).

In an effort to increase the power of analyses of cross-national differences, we performed all analyses using clusters of countries with similar levels of drug coverage as comparison groups. Those analyses did not alter the nature of the findings reported below.

Results

Table 2 lists summary characteristics of the 22 532 survey respondents with complete survey data, stratified by country of residence. Slightly more than half (57%) of all survey respondents were over age 65: range 52.3% (Canada) to 61.5% (Sweden). Approximately half (52%) were female respondents: range 47.5% (the Netherlands) to 56.1% (the UK). Just under half of the survey respondents (47.9%) reported having below-average income: range 38.9% (the Netherlands) to 60.5% (Switzerland). The share of survey respondents reporting being of fair or poor health ranged from a low of 18.9% in France to a high of 56.3% in New Zealand. Finally, approximately three in four survey respondents (76.6%) reported receiving one or more prescription in the past 12 months: range 69.4% (New Zealand) to 84.6% (the USA).

Table 2

Characteristics of respondents providing complete data in the 2014 Commonwealth Fund International Health Policy Survey of Older Adults, by country of respondent

Country	N	% Aged 65+	% Female	% Below average income	% Fair or poor health	% 1+ prescription
Australia	2598	56.9	52.8	59.1	50.8	79.3
Canada	4696	52.3	53.0	51.1	51.5	78.7
France	1328	57.5	55.1	41.2	18.9	75.8
Germany	815	60.9	53.6	48.6	22.7	78.0
Netherlands	862	54.7	47.5	38.9	21.1	76.0
New Zealand	675	55.2	53.2	46.9	56.3	69.4
Norway	927	57.2	51.3	54.1	34.7	76.8
Sweden	6597	61.5	52.1	40.9	35.7	75.5
Switzerland	1682	58.1	54.2	60.5	36.1	73.0
UK	759	59.2	56.1	44.0	44.1	73.4
USA	1593	52.7	53.8	45.0	41.5	84.6
All countries	22 532	57.2	52.8	47.9	40.0	76.6

As shown in table 3, the estimated prevalence of CRNA among all older adults varied from <3% in France, Norway, Sweden, Switzerland and the UK to 16.8% in the USA. Canada had the second highest national prevalence of CRNA (8.3%), followed by Australia (6.8%). Before adjusting for potential predictors of CRNA, the levels of CRNA in the USA, Canada and Australia were significantly higher than the reference country, the UK. Relative to the UK, there were no other statistically significant differences in crude estimates of the prevalence of CRNA.

Table 3

National prevalence and adjusted odds of cost-related non-adherence among respondents to the 2014 Commonwealth Fund International Health Policy Survey of Older Adults

Country	CRNA %	Unadjusted OR (95% CI)	Adjusted OR (95% CI)
Australia	6.8	2.37 (1.14 to 3.98)	2.17 (1.29 to 3.68)
Canada	8.3	2.92 (1.77 to 4.84)	2.76 (1.66 to 4.59)
France	1.6	0.54 (0.27 to 1.08)	0.47 (0.24 to 0.95)
Germany	3.7	1.22 (0.64 to 2.33)	1.00 (0.52 to 1.91)
Netherlands	4.0	1.35 (0.72 to 2.53)	1.19 (0.63 to 2.24)
New Zealand	4.8	1.62 (0.85 to 3.10)	1.69 (0.88 to 3.24)
Norway	2.4	0.80 (0.41 to 1.59)	0.66 (0.33 to 1.31)
Sweden	2.4	0.78 (0.47 to 1.32)	0.80 (0.47 to 1.36)
Switzerland	2.9	0.97 (0.54 to 1.75)	0.86 (0.48 to 1.57)
UK	3.1	Reference	Reference
USA	16.8	6.47 (3.89 to 10.78)	6.10 (3.64 to 10.20)

Results reported in bold are significant at p=0.05. Adjusted ORs based on sample-weighted logistic regression models that control for age group, sex, health status and household income.

CRNA, cost-related non-adherence, sample-weighted prevalence.

In the logistic regression model with respondents of all ages and income levels from all countries, the adjusted odds of reporting CRNA were statistically significantly higher among people who were younger (age 54–65), of average or below-average income and of poor health (results not shown in table). Sex was not a significant predictor of CRNA in the model.

Controlling for age, sex, health status and household income, adults aged 55 and older in the USA were approximately six times more likely to report CRNA than adults aged 55 and older in the UK (adjusted OR (AOR)=6.09; 95% CI 3.60 to 10.20). Adults aged 55 and older in the Australia and Canada were also statistically significantly more likely to report CRNA than similarly aged adults in the UK. Finally, the adjusted odds of CRNA among adults aged 55 and older in France were significantly lower than in the UK (AOR=0.47; 95% CI 0.23 to 0.94).

Table 4 lists national prevalence and adjusted odds of CRNA stratified by income. Lower incomes were associated with higher levels of CRNA in most countries, particularly in the USA and Canada, where the prevalence of CRNA among older adults with below-average incomes were 24.9% and 11.7%, respectively. In both income-stratified logistic regressions, the adjusted odds of reporting CRNA were statistically significantly higher among people who were aged 55–64, and among people of poor health (results not shown in table). Sex was not a significant predictor in either income-stratified model. After adjusting for age, sex and health status, low-income residents of the USA, Canada and Australia were significantly more likely to experience CRNA than low-income residents of the UK. Among higher income residents, the adjusted odds of CRNA were higher only in the USA relative to the UK (AOR=3.30; 95% CI 1.68 to 6.47). Adjusted odds of CRNA among higher income adults in Sweden were significantly lower than among higher income adults in the UK.

Table 4

National prevalence and adjusted odds of cost-related non-adherence among respondents to the 2014 Commonwealth Fund International Health Policy Survey of Older Adults, stratified by income

	All incomes		Below-average income		Average income or above
Country	CRNA %	Adjusted OR (95% CI)	CRNA %	Adjusted OR (95% CI)	CRNA %	Adjusted OR (95% CI)
Australia	6.8	2.17 (1.28 to 3.67)	7.6	3.61 (1.57 to 8.26)	5.5	1.48 (0.74 to 2.98)
Canada	8.3	2.76 (1.66 to 4.59)	11.7	5.43 (2.40 to 12.35)	4.5	1.23 (0.64 to 2.40)
France	1.6	0.47 (0.23 to 0.94)	0.7	0.22 (0.05 to 0.95)	2.5	0.57 (0.25 to 1.30)
Germany	3.7	0.99 (0.52 to 1.91)	5.3	1.80 (0.70 to 4.65)	2.0	0.52 (0.19 to 1.44)
Netherlands	4.0	1.18 (0.62 to 2.23)	5.8	1.99 (0.76 to 5.21)	2.9	0.73 (0.31 to 1.75)
New Zealand	4.8	1.68 (0.87 to 3.23)	5.3	2.43 (0.91 to 6.49)	4.3	1.32 (0.54 to 3.23)
Norway	2.4	0.66 (0.33 to 1.31)	2.7	0.99 (0.36 to 2.72)	2.2	0.52 (0.19 to 1.39)
Sweden	2.4	0.80 (0.47 to 1.37)	3.6	1.53 (0.66 to 3.53)	1.5	0.41 (0.20 to 0.81)
Switzerland	2.9	0.86 (0.48 to 1.56)	3.4	1.46 (0.60 to 3.56)	2.2	0.59 (0.24 to 1.44)
UK	3.1	Reference	2.3	Reference	3.4	Reference
USA	16.8	6.09 (3.60 to 10.20)	24.9	10.87 (4.76 to 25.00)	9.7	3.30 (1.68 to 6.49)
Pseudo R2		0.148		0.165		0.086

Results reported in bold are significant at p=0.05. Adjusted ORs are from sample-weighted logistic regression models. Pooled income model controls for age group, sex, health status and household income (not shown). Income-stratified models control for age, sex and health status.

CRNA, cost-related non-adherence, sample-weighted prevalence.

Table 5 lists national prevalence and adjusted odds of CRNA stratified by age. Many surveyed countries had almost double the levels of CRNA among adults aged 55–64 than among adults aged 65 and older. In both age-specific logistic regressions, the adjusted odds of reporting CRNA were statistically significantly higher among people who were of average or below average income and of poor health (results not shown in table). Being male was associated with lower odds of CRNA in the regression for respondents aged 55–64 (AOR=0.74; 95% CI 0.61 to 0.89) but not in the regression for respondents aged 65 and older. Despite the within-country differences by age, the direction of statistically significant cross-national differences in the adjusted odds of CRNA were generally the same for the two age-stratified logistic regression models that controlled for sex, health status and household income. One exception was that adjusted odds of CRNA among French residents aged 55–64 was not significantly different from like residents of the UK.

Table 5

National prevalence and adjusted odds of cost-related non-adherence among respondents to the 2014 Commonwealth Fund International Health Policy Survey of Older Adults, stratified by age

	All ages (55+)		Ages 55 to 64		Ages 65+
Country	CRNA %	Adjusted OR (95% CI)	CRNA %	Adjusted OR (95% CI)	CRNA %	Adjusted OR (95% CI)
Australia	6.8	2.17 (1.28 to 3.67)	8.2	2.07 (1.00 to 4.31)	4.4	2.31 (1.09 to 4.88)
Canada	8.3	2.76 (1.66 to 4.59)	11.6	3.18 (1.57 to 6.46)	5.3	2.25 (1.08 to 4.69)
France	1.6	0.47 (0.23 to 0.94)	3.4	0.69 (0.28 to 1.72)	1.5	0.23 (0.07 to 0.76)
Germany	3.7	0.99 (0.52 to 1.91)	3.8	0.61 (0.23 to 1.67)	4.2	1.46 (0.61 to 3.49)
Netherlands	4.0	1.18 (0.62 to 2.23)	4.0	1.20 (0.51 to 2.88)	2.9	1.17 (0.46 to 2.99)
New Zealand	4.8	1.68 (0.87 to 3.23)	7.5	1.83 (0.76 to 4.44)	3.4	1.48 (0.56 to 3.49)
Norway	2.4	0.66 (0.33 to 1.31)	3.8	0.63 (0.24 to 1.68)	1.9	0.68 (0.26 to 1.82)
Sweden	2.4	0.80 (0.47 to 1.37)	3.9	0.94 (0.45 to 1.97)	1.8	0.68 (0.33 to 1.44)
Switzerland	2.9	0.86 (0.48 to 1.56)	2.9	0.74 (0.32 to 1.75)	2.5	0.98 (0.43 to 2.26)
UK	3.1	Reference	4.4	Reference	2.3	Reference
USA	16.8	6.09 (3.60 to 10.20)	22.2	5.45 (2.65 to 11.21)	12.0	7.19 (3.43 to 15.07)
Pseudo R2		0.148		0.149		0.112

Results reported in bold are significant at p=0.05. Adjusted ORs are from sample-weighted logistic regression models. Pooled age model controls for age group, sex, health status and household income (not shown). Age-stratified models control for sex, health status and household income.

CRNA, cost-related non-adherence, sample-weighted prevalence.

Discussion

Using the Commonwealth Fund 2014 International Health Policy Survey of Older Adults, we found significant levels of variations in cost-related barriers to filling prescriptions within and across 11 comparable countries. The national prevalence of CRNA among all adults aged 55 and older varied from <3% in the France, Norway, Sweden, Switzerland and the UK to 16.8% in the USA. Higher levels of CRNA may be associated with worse health outcomes and increased demands on other components of the healthcare system as other studies have shown that financial barriers can impede the use of essential, preventative medications as well as drugs taken for symptom relief.13 14

Adjusted odds of CRNA did not differ significantly among most of the countries in this study. However, with and without adjustments for possible predictors of CRNA, the odds of CRNA in the USA, Canada and Australia were significantly higher than in the UK, our reference country. Across most countries, the prevalence of CRNA was higher among lower income residents and lower among residents over age 65.

Our results are consistent with studies based on older surveys in individual countries and comparisons of the USA and Canada. With 2002 and 2007 survey data, Kennedy and Morgan found that CRNA is more common in the USA than in Canada, attributing the difference to differences in the availability of health and drug coverage.15 16 In a number of previous studies using county-specific data sources, lower income has been associated with greater likelihood of CRNA.5 6 Similarly, many, though not all, studies using county-specific data have found that patients over age 60 or 65 are more likely to comply with medications when compared with younger patients.5 6

Observed differences in national prevalence of CRNA appear to follow lines of availability of prescription drug coverage and the extent of direct patient charges for prescriptions under available drug plans. Previous studies have shown that introducing or increasing direct patient charges is associated with reduced use of prescribed medications.17 All of the countries surveyed that provide outpatient prescriptions at relatively low cost to patients had comparable levels of CRNA—none being significantly greater than the ∼ 3% CRNA prevalence observed in the UK.

In contrast to other health systems, many residents of the USA and Canada do not have drug coverage.3 4 Americans and Canadians who do have private or public drug coverage face varying levels of deductibles, coinsurance or copayments. In some cases, this can include reference-based reimbursement charges that stem from the dispensation of brand-name drugs when generic alternatives are available; however, couponing by manufacturers is an attempt to reduce the burden of such charges for sponsoring brands.18 19 Consistent with the hypothesis that higher direct costs to patients are associated with increased likelihood of CRNA, the crude and adjusted odds of CRNA in the USA and Canada were significantly greater than the UK (and other comparator countries with universal coverage of medicines at little direct cost to patients).

The differences in CRNA between the UK and either the USA or Canada were lower for patients over age 65, which is consistent with the hypothesis that Americans’ and Canadians’ increased eligibility for drug coverage at that age may increase their access to medicines and thereby reduce cross-national disparities in levels of CRNA. Further, there was no significant difference in the adjusted odds of CRNA among higher income Canadians aged 55 and older versus similar residents of the UK. This too is consistent with the hypothesis that the availability and extent of drug coverage is a predictor of CRNA, regardless of income, because private insurance for prescription drugs is more prevalent among higher income Canadians than among lower income Canadians.10

We also found that the odds of CRNA were higher in Australia than in the UK. As patients face relatively high standard copayments under Australia's universal drug benefit plan, this finding is also consistent with the hypothesis that CRNA is inversely related to the extent of drug coverage available.

Limitations

Our study is not without limitations. CRNA is a complex phenomenon, driven by a combination of individual and system-level factors, not all of which can be captured in a brief telephone survey that covered a wide range of countries and topics concerning healthcare experiences. Statistical models based on such data will explain some but not all of the individual-level variation in CRNA experiences, which explains the modest R2 statistics. Analyses such as these are best suited to defining patient categories and system-level factors associated with elevated risk of CRNA, rather than being viewed as an attempt to predict whether specific individuals within specific context will experience CRNA.

As a random-digit-dialled telephone survey, response rates varied from 16% (Norway) to 60% (Switzerland) across countries (IQR 25–28%), potentially introducing participation biases in the samples.9 The direction of that bias is unknown; however, study characteristics and estimated rates of CRNA are comparable for countries with low response rates (Norway) and those with high response rates (Switzerland). Furthermore, estimated CRNA rates for the USA and Canada are comparable to previous studies drawing on surveys with greater response rates.15 16 20

Survey data is also limited by recall bias and potential social desirability bias. It is possible, for example, that North Americans feel less pressure to report that they filled prescriptions written for them than European colleges. For example, the relatively low rates of self-reported poor health and CRNA found in France may be partially attributed to cross-national differences in social desirability biases. We do not believe that such potential cultural differences in survey response bias would be sufficient to explain the significant differences in national prevalence of CRNA observed in this study.

Finally, the telephone survey data do not identify which types of medication were skipped as a result of costs. It is possible that some of the foregone medications could have been discretionary (eg, for mild symptom relief) or even potentially harmful (eg, potentially inappropriate prescriptions for older populations). Further international comparative work, involving more detailed survey questions concerning medication use for particular conditions, would help to determine the extent to which international differences in access to medicines reflect differences in the use of essential versus non-essential medications.

Conclusion

Our study finds that access to medicines varies within and across countries in ways consistent with the hypothesis that higher costs to patients, particularly low-income patients, are associated with higher risks of cost-related access barriers. Access to medications in the USA, Canada and, to a lesser extent, Australia is below international comparators. Access in the USA and Canada might be improved with universal coverage of medication costs. Access in Australia might be improved by reducing the standard copayment under the existing universal drug benefit programme there.