Larousse defines the verb “to pool” as the action of transferring (a risk, an expense) to the responsibility of a mutual insurance company or group. Under the Basic Prescription Drug Insurance Plan (BPDIP) in effect in Quebec, Pooling consists of sharing, among all group insurance carriers and third-party administrators offering drug cost coverage, part of the claims for the amount exceeding a predetermined threshold (called threshold per certificate). As a result, the cost of major claims for one group is absorbed by the industry’s financial results. Pooling is carried out according to the Terms and Conditions, which are revised annually and communicated to the Ministre de la Santé et des Services Sociaux.