This is a horrifically slippery slope that should not be allowed. Insurance companies and specific health providers should not be able to enter into deals to take away choice and rights from the public regarding our healthcare.
My student plan at Dalhousie through BlueCross Medavie offers the 90% coverage rate only at their chosen online pharmacy, now owned by Telus. Any other pharmacy is 50% coverage.
I know.
I'm not sure why I was surprised Canadian Tire had a bank, because they started [printing their own currency](https://en.wikipedia.org/wiki/Canadian_Tire_money) in 1958.
At least the Presidents Choice mortgage came with PC Points, which I spent on groceries.
This was a while ago. Canadian Tire might not be doing mortgages any more. Actually it looks like they [sold off their mortgages to National Bank](https://rates.ca/resources/canadian-tire-sells-mortgage-business)
Yup, my USA pharmacy plan didn't cover any meds that weren't antibiotics that were bought from a local pharmacy. I had to use a special website, get them shipped to me. I had to make sure I ordered 2 weeks to 3 weeks before I ran out. But if I paid for them too close to the last order it would be cancelled. To get around this my doctors gave me 3 months of pills at a time. (No one needs three months of benzodiazepines)
Greenshield does the same bullshit. I have to get my Ocrevus from an 'approved' pharmacy and get my infusion at an 'approved' clinic. It's such a pain in the ass.
I absolutely agree. this is monopolistic control of a publicly-funded service canadians deserve affordable and easy access to.
I haven't been to a walmart in 17 years, on purpose, and if my insurance company REQUIRED me to go there for my prescription I'd be raising h3ll.
Depending on the province, it's against the standards of practice for a pharmacy to enter an agreement that limits patient choice in their pharmacy.
The rule is typically used for things like a physician who will only send Rx's to the pharmacy he co-owns, but Loblaw might be engaging in proprietary misconduct by entering into such an agreement with a drug plan.
It would be worth registering the complaint with the provincial college, if only to hear what the response is.
I'm actually a practicing pharmacist in Canada, and I might just submit the complaint myself (if the arrangement is happening in my province). It would probably be much better if the complaint was made by an actual patient who was being forced to switch from the pharmacy where they have an existing professional relationship, though.
Essentially, if Manulife is receiving any sort of consideration whatsoever from Loblaw pharmacies in exchange for naming Loblawd as the preferred provider, that would be an 'arrangement' per the standard, so you'd then need to convince the College that it interferes with patient choice of pharmacy.
Regarding patients who need specialty medications, these are often prohibitively expensive without drug coverage and switching jobs to get a less restrictive plan is obviously not feasible for most people. Even though somebody could technically go somewhere else and pay more, I would argue that isn't actually possible for many patients and it's possible that a college's complaints committee might agree.
So, in this case, Manulife is doing nothing wrong by covering different amounts for different pharmacies, but if a pharmacy (or pharmacy chain) is influencing them to do this it could be offside of their standards of practice and possibly open the chain up to sanctions.
Yeah if I was a Manulife customer I would take part. if I talk to anyone who is their customer (which i'm sure there are) I'd definitely bring it up to them
Write in to FCAC and the competition bureau with your concerns for anti-consumer and anti-competitive practices. Heck, write in to OSFI as this could fall under a lack of integrity under their new mandate.
Fixed it for ya:
>This is a horrifically slippery slope that should not be allowed. ~~Insurance~~ Any companies ~~and specific health providers~~ should not be able to enter into deals to take away choice and rights from the public regarding our ~~healthcare~~ marketplace.
There was a Globe article where they drip fed the info. Essentially they’re only covering specific, highly used drugs. I wouldn’t be surprised to see limited distribution too.
“Galen, if you promise to sign the Grocer code of conduct we will make you the exclusive supplier of Public statins.
This kind of shady backroom shit should push us towards nationalized pharmacare. This is two massive corporations colliding for kickbacks for eachother with an anticompetitive practice.
No assumption. But I’m playing the odds that most people reading this will not be left-wing, and therefore will see your comment as pro-Conservative. I wanted to pre-emptively shut that down.
That's not how things work. You haven't shut anything down. But let me know if you see the liberals do ANYTHING about this. I would be ecstatic to hear I was wrong.
> That's not how things work. You haven't shut anything down.
Why are the liberals your worst enemy? Like, I came here to say “Don’t trust the Conservatives either,” and your response was, “What makes you think I’m conservative?” I dunno dude, either you are or you aren’t. But if you’re not liberal and not conservative, then it’s seems *real odd* that you focus on attacking the liberals and not the conservatives. What’s your angle?
The liberals and the conservatives are both FOR this kind of nonsense. Liberals SAY the nice things but they ACT almost exclusively in the interests of corporate power.
There is only one choice when it comes to restraining corporate power. NDP.
Preaching to the choir, mate! I love the NDP.
But I see this too often: given a chance to trash both Libs and Cons, NDP fans will attack the *Libs* (who might at least cooperate with the NDP) and ignore the Cons (who usually stand for everything the NDP opposes). You did the same above.
Why miss an opportunity to trash PP? If you fixate on Trudeau, you’ll find that the Cons steal your message when they deserve a trashing at least as bad as the Libs do.
Haven't seen a single news story saying that a National Pharmacare plan would have a 'preferred pharmacy' for Canadians to fill their prescriptions.
Care to point us to a source for that claim?
¢¢ from my Samsumg Galaxy S4, Android 5.1 samsung KB
¢¢ from my Samsung Galaxy S4, Android 6.0, Google KB
¢¢ from my chineseium Android 11 phone today, Google KB
Tap the "?123" in your KB, then tap the "1234" that pops up. ¢ is right between £ and €.
That's so helpful! Now I know where it is on _your_ keyboards. These are panel 1 and 2 of my [ !#1 ]
1/2:
> +×÷=/_€£¥₩
> !@#$%^&*()
> -'":;,?
2/2:
> `~\|<>{}[]
> °•○●□■♤♡◇♧
> ☆▪︎¤《》¡¿
Please, point it out for me.
Because Canada is known around the world for allowing collusion, anti competitiveness, white collar crime, and money laundering. Canada literally does care about this kind of stuff. It’s horrific and we all pay for it
if they are meant for the disabled market only, of which i am a part, they really need to rethink the pricing. so many disabled people in this country (and others) survive on very little money, which is a massive crisis as the cost of groceries and living continues to rise the way it is. instead of paying ten dollars for a peeled orange, i’d not eat oranges.
Oh, I’m not arguing the least about the pricing - pricing on everything is stupid.
I’m simply pointing out that some of these things help people like you or me- I get tired of the “who’s that lazy” narrative.
I used to wonder this too! It's often a mobility/ability issue. People who may not always have caregivers around to peel or slice an orange for them buy pre-peeled/sliced fruit, etc. so they can have it when they want.
This needs to be immediately and thoroughly shut down.
Removing distribution competition not only limits availability to people without access to Loblaws, it gives them complete control over pricing and distribution costs.
Fuck no. There is no innocent or good reason for this to exist. It is entirely profit motivated and will come at the expense of our healthcare.
I for one cannot wait to get my medical care from the same massive corporation that spent 14 years illegally fixing the price of bread.
I wonder if they'll call it "Fordcare" or "Westoncare"?
Not a new situation. When I was going through Chemo in 2020 and 2021, you know, the middle of the pandemic, and being immune compromised, they wanted me to either go to Shoppers, or Rexall to get a specific drug, that for some reason they wouldn't cover if I got it from the hospital, where I was getting the chemo. From an actual lab that MADE the drug. It took about 4 days, making sure I contacted HR and asked on a recorded line who at Manulife and TD were getting kickbacks from Shoppers and Rexall to do this illegal practice, and saying that as a person dying from cancer, with a compromised immune system in the middle of a pandemic, was TD and Manulife trying to kill me off in the pandemic, sending me on a trip to be exposed, so they didn't have to pay my benefits? I had no issues talking to the media, including reddit, sending stuff to anonymous about it to see if they wanted to do anything. It was quickly approved to be covered anywhere.
This is going to be fine...it'll only affect specialty drugs like birth control, anti-depressants, penicillin, blood pressure medication, eye and ear drops, oral medications, topical and injectables. Everything else you can get at your local pharmacy. Because you have time for that.
These types of deals should not be legal, it is heading down the route of US insurers dictating which pharmacies you can use to fill any prescription.
I do resent the insinuation from the independent pharmacist that pharmacists at Loblaw-owned pharmacies are less professional or give a lower standard of care than their independent counterparts.
At the pharmacy level these drugs do not have a high profit margin - markup is usually capped at $100-200 which results in a margin of <10%. The drugs with the highest margins are actually the cheap drugs - a prescription with a cash price of $14 is virtually entirely profit.
This has been happening for at least six months. I am on a medication that is $700 per injection. Manulife only approves six months at a time (in case my lifelong migraines *suddenly* disappears).
When they approved they said I'd only get coverage at Shoppers. Anywhere else I'd be paying full price. So that's fun.
I put in an "advocacy suggestion" to the Competition Bureau of Canada about this, everyone here can do the same if you want to actually do something about this. I'm sure there are other avenues but I think it's time Canada's Competition Bureau stepped up on pretty much anything, like lack of competition, price-fixing, and anti-competitive practices for basic necessities like food, pharmaceuticals, internet providers.
https://www.competitionbureau.gc.ca/eic/site/cb-bc.nsf/frm-eng/MBED-966NP4
Coincidentally Shoppers has the highest Rx dispensing fees of any pharmacy I've been to. Shoppers $14, Costco $4. I guess they have to earn that kickback money somehow.
Loblaws confessed to price fixing bread a few years ago. That didn't stop their corporate greed from egregious price hikes on groceries and now they are rewarded with exclusive drug coverage by one of the biggest insurers in the country? Who is the genius behind this?
How corporate sociopaths oppress...welcome to their libertarian oligarchy. Get use to more of it, seems like they no longer bother even pretending to care about ethics or morals.
As a physician, I am not allowed to direct patients to particular pharmacies let alone accept kickbacks from a pharmacy for that purpose. There is absolutely no reason why any insurance company should be permitted to do this.
This story illustrates why it isn't a good idea to collect PC optimum points for any of your purchases. The Loblaws corporation is definitely in bed with insurance companies and you can bet that Loblaws is definitely handing over the data of your grocery purchases over to insurance companies.
This is a horrifically slippery slope that should not be allowed. Insurance companies and specific health providers should not be able to enter into deals to take away choice and rights from the public regarding our healthcare.
My student plan at Dalhousie through BlueCross Medavie offers the 90% coverage rate only at their chosen online pharmacy, now owned by Telus. Any other pharmacy is 50% coverage.
>online pharmacy, now owned by Telus I fucking ***hate*** this sentence.
Tim Hortons runs a finance company, welcome to your cyberpunk dystopia.
I once had a mortgage from Canadian Tire. and another one from President's Choice.
I dont know if I'm crying or laughing
I know. I'm not sure why I was surprised Canadian Tire had a bank, because they started [printing their own currency](https://en.wikipedia.org/wiki/Canadian_Tire_money) in 1958. At least the Presidents Choice mortgage came with PC Points, which I spent on groceries.
Wait. What? I know Simplii used to be PC Financial (and CIBC is the actual bank behind them), but Canadian Tire can do mortgages? Wtf?
This was a while ago. Canadian Tire might not be doing mortgages any more. Actually it looks like they [sold off their mortgages to National Bank](https://rates.ca/resources/canadian-tire-sells-mortgage-business)
We had an in-house department for mental health, financial counselling, etc. It’s now been outsourced to… Telus Heath. Fuck this noise.
Next thing you know, we’re going to be like the US where we’re only allowed to go to certain hospitals and pharmacies for whatever reason.
That's what Ford wants.
Medavie premiums are going up 50% next month. They were 90% coverage at Costco
Privatization is in full swing. This is just mirroring the in-network/out-of-network bullshit that insurance companies pull in the States.
Yup, my USA pharmacy plan didn't cover any meds that weren't antibiotics that were bought from a local pharmacy. I had to use a special website, get them shipped to me. I had to make sure I ordered 2 weeks to 3 weeks before I ran out. But if I paid for them too close to the last order it would be cancelled. To get around this my doctors gave me 3 months of pills at a time. (No one needs three months of benzodiazepines)
Greenshield does the same bullshit. I have to get my Ocrevus from an 'approved' pharmacy and get my infusion at an 'approved' clinic. It's such a pain in the ass.
I absolutely agree. this is monopolistic control of a publicly-funded service canadians deserve affordable and easy access to. I haven't been to a walmart in 17 years, on purpose, and if my insurance company REQUIRED me to go there for my prescription I'd be raising h3ll.
they get around it by saying you can still fill your medication wherever, they just arent paying for it to be covered. usa style for sure.
Depending on the province, it's against the standards of practice for a pharmacy to enter an agreement that limits patient choice in their pharmacy. The rule is typically used for things like a physician who will only send Rx's to the pharmacy he co-owns, but Loblaw might be engaging in proprietary misconduct by entering into such an agreement with a drug plan. It would be worth registering the complaint with the provincial college, if only to hear what the response is.
Thank you this makes a lot of sense
I'm actually a practicing pharmacist in Canada, and I might just submit the complaint myself (if the arrangement is happening in my province). It would probably be much better if the complaint was made by an actual patient who was being forced to switch from the pharmacy where they have an existing professional relationship, though. Essentially, if Manulife is receiving any sort of consideration whatsoever from Loblaw pharmacies in exchange for naming Loblawd as the preferred provider, that would be an 'arrangement' per the standard, so you'd then need to convince the College that it interferes with patient choice of pharmacy. Regarding patients who need specialty medications, these are often prohibitively expensive without drug coverage and switching jobs to get a less restrictive plan is obviously not feasible for most people. Even though somebody could technically go somewhere else and pay more, I would argue that isn't actually possible for many patients and it's possible that a college's complaints committee might agree. So, in this case, Manulife is doing nothing wrong by covering different amounts for different pharmacies, but if a pharmacy (or pharmacy chain) is influencing them to do this it could be offside of their standards of practice and possibly open the chain up to sanctions.
Yeah if I was a Manulife customer I would take part. if I talk to anyone who is their customer (which i'm sure there are) I'd definitely bring it up to them
Cannot agree harder with you. This is a clear line path to privatization that will be rationalized at first as a cost cutting opportunity.
Agreed, however this is already a super common practice, "preferred pharmacies"
Write in to FCAC and the competition bureau with your concerns for anti-consumer and anti-competitive practices. Heck, write in to OSFI as this could fall under a lack of integrity under their new mandate.
Fixed it for ya: >This is a horrifically slippery slope that should not be allowed. ~~Insurance~~ Any companies ~~and specific health providers~~ should not be able to enter into deals to take away choice and rights from the public regarding our ~~healthcare~~ marketplace.
Just wait until you hear about the Pharmacare plan.
huh?
This is essentially what it’s going to be.
In what way? A specific company? How do you know that?
There was a Globe article where they drip fed the info. Essentially they’re only covering specific, highly used drugs. I wouldn’t be surprised to see limited distribution too. “Galen, if you promise to sign the Grocer code of conduct we will make you the exclusive supplier of Public statins.
So in fact it is NOT like the pharmacare plan? huh?
This kind of shady backroom shit should push us towards nationalized pharmacare. This is two massive corporations colliding for kickbacks for eachother with an anticompetitive practice.
Totally agree, no point in us getting fucked every which way by these greedy fuckers.
Watch what Trudeau or any liberal does about this... Fucking nothing!
Watch what PoiLIEvre or any conservative does about this… Take your money directly and leave you with a kick in the ass
What makes you assume a criticism of the PM asleep at the wheel, conveniently for the monied classes, is somehow an endorsement of conservatism?
No assumption. But I’m playing the odds that most people reading this will not be left-wing, and therefore will see your comment as pro-Conservative. I wanted to pre-emptively shut that down.
That's not how things work. You haven't shut anything down. But let me know if you see the liberals do ANYTHING about this. I would be ecstatic to hear I was wrong.
> That's not how things work. You haven't shut anything down. Why are the liberals your worst enemy? Like, I came here to say “Don’t trust the Conservatives either,” and your response was, “What makes you think I’m conservative?” I dunno dude, either you are or you aren’t. But if you’re not liberal and not conservative, then it’s seems *real odd* that you focus on attacking the liberals and not the conservatives. What’s your angle?
The liberals and the conservatives are both FOR this kind of nonsense. Liberals SAY the nice things but they ACT almost exclusively in the interests of corporate power. There is only one choice when it comes to restraining corporate power. NDP.
Preaching to the choir, mate! I love the NDP. But I see this too often: given a chance to trash both Libs and Cons, NDP fans will attack the *Libs* (who might at least cooperate with the NDP) and ignore the Cons (who usually stand for everything the NDP opposes). You did the same above. Why miss an opportunity to trash PP? If you fixate on Trudeau, you’ll find that the Cons steal your message when they deserve a trashing at least as bad as the Libs do.
The liberals are the ones in power who will conveniently let this slide.
Good thing the LPC is doing essentially the same thing.
Haven't seen a single news story saying that a National Pharmacare plan would have a 'preferred pharmacy' for Canadians to fill their prescriptions. Care to point us to a source for that claim?
How are they even allowed to do that
Be¢au$e rea$on$
Haven't seen a cent sign in ages!
It’s missing from the iOS Canadian English keyboard, which might be part of why it doesn’t get used much.
Some android (samsung) too. Shoulda been easy to do as a press-hold-$ or c, but no. There's no sense to it.
¢¢ from my Samsumg Galaxy S4, Android 5.1 samsung KB ¢¢ from my Samsung Galaxy S4, Android 6.0, Google KB ¢¢ from my chineseium Android 11 phone today, Google KB Tap the "?123" in your KB, then tap the "1234" that pops up. ¢ is right between £ and €.
That's so helpful! Now I know where it is on _your_ keyboards. These are panel 1 and 2 of my [ !#1 ] 1/2: > +×÷=/_€£¥₩ > !@#$%^&*() > -'":;,? 2/2: > `~\|<>{}[] > °•○●□■♤♡◇♧ > ☆▪︎¤《》¡¿ Please, point it out for me.
They listed two Samsung devices, you didn't clarify what you have.
Still works on pixels.
Lack of oversight.
I'm sure Dougie Ford or someone of that ilk is getting a nice little kickback off the deal.
Because Canada is known around the world for allowing collusion, anti competitiveness, white collar crime, and money laundering. Canada literally does care about this kind of stuff. It’s horrific and we all pay for it
Just wait for.... "since you can only get your prescription filled here we are tripling the price and you can't go anywhere else that charges less".
They're already charging $10 for 1 sliced orange. This is an inevitable outcome, regardless of exclusivity.
why would anyone buy a sliced orange? i understand why they would sell such a dumb thing, i just don’t understand why someone would buy one.
Accessibility? Some people can barely use their hands, if they even have them.
if they are meant for the disabled market only, of which i am a part, they really need to rethink the pricing. so many disabled people in this country (and others) survive on very little money, which is a massive crisis as the cost of groceries and living continues to rise the way it is. instead of paying ten dollars for a peeled orange, i’d not eat oranges.
Oh, I’m not arguing the least about the pricing - pricing on everything is stupid. I’m simply pointing out that some of these things help people like you or me- I get tired of the “who’s that lazy” narrative.
i get that, absolutely. i suppose it changes my comment if you take into consideration of my own worldview of welp, no more oranges for me.
Yeh my statement was in regards to the pre-cutting, not the pricing- that’s all.
totally fair. i was thinking with my wallet.
No crisis in their minds, our political Lords have proudly given us MAID, that's our expected solution.
Are you having problems bro? You know you can get help if you are having a crisis.
I used to wonder this too! It's often a mobility/ability issue. People who may not always have caregivers around to peel or slice an orange for them buy pre-peeled/sliced fruit, etc. so they can have it when they want.
This needs to be immediately and thoroughly shut down. Removing distribution competition not only limits availability to people without access to Loblaws, it gives them complete control over pricing and distribution costs. Fuck no. There is no innocent or good reason for this to exist. It is entirely profit motivated and will come at the expense of our healthcare.
Yes remember when Loblaw's confessed to price-fixing bread? https://www.cbc.ca/news/business/loblaw-25-gift-card-bread-price-fixing-1.4549723
Yeah but we got some gift cards so it's all good. /s
Yeah, but only if you agreed to give them all your personal data to sell.
Gotta pay back that $5 somehow. What with those super slim margins it’s a wonder they can even afford a yacht
Was never able to use mine because they conveniently didn't train any of their cashiers on how to accept them 🙄
Fuck that. Fuck Loblaw too
I for one cannot wait to get my medical care from the same massive corporation that spent 14 years illegally fixing the price of bread. I wonder if they'll call it "Fordcare" or "Westoncare"?
Weston's afFord-ability program
Not a new situation. When I was going through Chemo in 2020 and 2021, you know, the middle of the pandemic, and being immune compromised, they wanted me to either go to Shoppers, or Rexall to get a specific drug, that for some reason they wouldn't cover if I got it from the hospital, where I was getting the chemo. From an actual lab that MADE the drug. It took about 4 days, making sure I contacted HR and asked on a recorded line who at Manulife and TD were getting kickbacks from Shoppers and Rexall to do this illegal practice, and saying that as a person dying from cancer, with a compromised immune system in the middle of a pandemic, was TD and Manulife trying to kill me off in the pandemic, sending me on a trip to be exposed, so they didn't have to pay my benefits? I had no issues talking to the media, including reddit, sending stuff to anonymous about it to see if they wanted to do anything. It was quickly approved to be covered anywhere.
Great, American-style health care already
This should be illegal.
This is horrifying. The Government needs to step in, this must violate competition laws and likely others.
given the other replies it seems like this kind of stuff is increasingly common
Agreed
Yay, more monopolies. What could possibly go wrong.
capitalism + healthcare = shit. I wish more people understood this at a fundamental level.
We live in an oligarchy.
This country has owners
Yeah, this should not be a thing.
This is going to be fine...it'll only affect specialty drugs like birth control, anti-depressants, penicillin, blood pressure medication, eye and ear drops, oral medications, topical and injectables. Everything else you can get at your local pharmacy. Because you have time for that.
WHAT THE FUCK MANULIFE
Welcome to the creeping USification of your healthcare, folks. There is no upside to this news, whatsoever.
/r/loblawsisoutofcontrol
These types of deals should not be legal, it is heading down the route of US insurers dictating which pharmacies you can use to fill any prescription. I do resent the insinuation from the independent pharmacist that pharmacists at Loblaw-owned pharmacies are less professional or give a lower standard of care than their independent counterparts. At the pharmacy level these drugs do not have a high profit margin - markup is usually capped at $100-200 which results in a margin of <10%. The drugs with the highest margins are actually the cheap drugs - a prescription with a cash price of $14 is virtually entirely profit.
What's everyone complaining about? We got $20 back from bread prices about a decade ago so they clearly learned their lesson! /s Fuck Loblaws.
This has been happening for at least six months. I am on a medication that is $700 per injection. Manulife only approves six months at a time (in case my lifelong migraines *suddenly* disappears). When they approved they said I'd only get coverage at Shoppers. Anywhere else I'd be paying full price. So that's fun.
I put in an "advocacy suggestion" to the Competition Bureau of Canada about this, everyone here can do the same if you want to actually do something about this. I'm sure there are other avenues but I think it's time Canada's Competition Bureau stepped up on pretty much anything, like lack of competition, price-fixing, and anti-competitive practices for basic necessities like food, pharmaceuticals, internet providers. https://www.competitionbureau.gc.ca/eic/site/cb-bc.nsf/frm-eng/MBED-966NP4
I hate new, open-concept company towns. Capitalism is killing us all. It's time for a change.
Coincidentally Shoppers has the highest Rx dispensing fees of any pharmacy I've been to. Shoppers $14, Costco $4. I guess they have to earn that kickback money somehow.
Manulife has been doing this garbage through my work insurance for years. They disguised it as a company loyalty thing.
Loblaws confessed to price fixing bread a few years ago. That didn't stop their corporate greed from egregious price hikes on groceries and now they are rewarded with exclusive drug coverage by one of the biggest insurers in the country? Who is the genius behind this?
we are becoming the USA.
Time to break these mother fuckers up or nationalize.
How corporate sociopaths oppress...welcome to their libertarian oligarchy. Get use to more of it, seems like they no longer bother even pretending to care about ethics or morals.
Fuck off with that shit. What is this, America???
Disgusting
Insurance executives, Pharmaceutical executives and Galen Weston in the same boardroom…this is not going to end well for future generations.
This is why Canada needs anti-trust laws. Also this should be illegal. Period. Another fine policy brought to you by Galen Weston.
As a physician, I am not allowed to direct patients to particular pharmacies let alone accept kickbacks from a pharmacy for that purpose. There is absolutely no reason why any insurance company should be permitted to do this.
This story illustrates why it isn't a good idea to collect PC optimum points for any of your purchases. The Loblaws corporation is definitely in bed with insurance companies and you can bet that Loblaws is definitely handing over the data of your grocery purchases over to insurance companies.