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Services we offer
A Personal Health Plan from GMS helps you take care of your health and wellness so you can enjoy life to it’s fullest.
- Need a benefits plan?
- In business for yourself?
- Leaving an employer plan?
- Retiring soon?
No matter what stage of life you’re in, health insurance from GMS is just what the doctor ordered. We’ve been protecting Canadians and their families for over 70 years.
Which plan is right for you?
BASIC PLAN
For emergency medical coverage at the lowest possible cost, BasicPlan covers the essentials your provincial health plan doesn’t – including air an ground ambulance, preferred hospital rooms, in-hospital drugs and more.
EXTENDAPLAN®
With all the essential benefits of BasicPlan and more, ExtendaPlan also covers physiotherapy, massage therapy, hearing aids, vision care, and a range of medical equipment and supplies.
OMNIPLAN®
Our most comprehensive benefits package, OmniPlan can help you keep your family in better health with greater coverage for physiotherapy,
massage therapy, eye exams and glasses..
You can get a quote and purchase this insurance online through Cover Me.
| BENEFITS (per person) | BasicPlan | ExtendaPlan | OmniPlan |
|---|---|---|---|
| Eye Exams | n/a | $120 per 2 years | $90 per 2 years |
| Eyeglasses & Contact Lenses | n/a | Included in Eye Exams limit | $200 per 2 years |
| Health Practitioners | n/a | $250 combined maximum | $300 maximum per specialty |
| Hearing Aids* | n/a | $500 per 5 years | $800 per 5 years |
| Health Supplies & Equipment | n/a | $500 | $500 |
| Diabetic Supplies & Equipment | n/a | $300 | $300 |
| Oxygen Equipment | n/a | $500 per year $1,500 lifetime maximum | $500 per year $2,500 lifetime maximum |
| Blood Pressure Monitors | n/a | 1 per policy per 5 years | 1 per policy per 5 years |
| Custom Made Foot Orthotics | n/a | 80% – 1 per 5 years for adults 1 per year for children under 16 | 80% – 1 per 3 years for adults1 per year for children under 16 |
| Orthopedic Shoes | n/a | $225 | $225 |
| Mobility Aids | n/a | $300 | $300 |
| Ostomy Supplies | n/a | $300 | $300 |
| Funeral Expenses | n/a | n/a | $4,000 |
| Out-of-Province Referral | n/a | $50,000 lifetime maximum | $50,000 lifetime maximum |
| Ambulance | $2,000 | Unlimited | Unlimited |
| Air Ambulance | Unlimited | Unlimited | Unlimited |
| Casts & Crutches | Unlimited | Unlimited | Unlimited |
| Preferred Hospital Rooms | $500 | $500 | 45 days to $3,500 |
| Private Duty Nursing | 80% to $1,500 (in-hospital only) | 80% to $3,000 | 80% to $5,000 |
| In-Hospital Drugs | $500 per injury | $2,000 per injury | $5,000 per injury |
| Wheelchairs, Motorized Scooters & Adjustable Beds | $500 per 5 years | $750 per 5 years | $1,000 per 5 years |
| Artificial Limbs, Eyes & Larynx | $5,000 | $5,000 | $5,000 |
| Patient Walkers | 80% to $300 per 5 years | 80% to $300 per 5 years | 80% to $300 per 5 years |
| Breast Prosthesis | $175 single per 2 years $350 bi-lateral per 2 years | $325 single per 2 years $650 bi-lateral per 2 years | $325 single per 2 years $650 bi-lateral per 2 years |
Replacement Health Insurance
Plan Comparison we want to make sure you can enjoy them. A Replacement Health Plan from GMS helps you maintain your lifestyle without interruption while you focus on your next adventure.
- Retiring?
- Between jobs?
- Starting a business?
- Leaving your group benefits plan?
Which plan is right for you?
ESSENTIAL PLAN
Covers emergency essentials your provincial plan doesn’t – including unlimited air and road ambulance – plus medical equipment, vision care and more.
Benefits include:
- Eye exams and glasses
- Chiro, naturopath and massage treatments
- Dental
CHOICE PLAN
All the benefits of Essential Plan, covering more of your costs, PLUS coverage for vision care, medical emergencies while traveling, and prescription drugs.
Benefits include:
- Prescription drugs, including ones you’re already taking
- Glasses and contacts
- Emergency medical travel coverage
PREMIER PLAN
Our most comprehensive benefits package with greater coverage for prescription drugs†, dental, vision, physio, massage and more including coverage for medical emergencies while traveling.
Benefits include:
- Prescription drugs, including ones you’re already taking
- Dental
- Emergency medical travel
| BENEFITS (per person) | EssentialPlan | ChoicePlan | PremierPlan |
|---|---|---|---|
| Prescription Drugs† Coverage for drugs listed under your provincial drug plan (formulary). | n/a | 80% to $1,000 | 80% to $1,750 |
| Dental Care | 80% preventative & basic 50% major $1,000 combined maximum | 80% preventative & basic 50% major $1,250 combined maximum | 80% preventative & basic 50% major $1,500 combined maximum |
| Accidental Dental | $2,000 / injury | $2,000 / injury | $2,000 / injury |
| Private Duty Nursing | 80% to $1,000 | 80% to $3,000 | 80% to $3,000 |
| 80% to $2,000 combined maximum | 80% to $5,000 combined maximum | 80% to $10,000 combined maximum | |
| Orthopedic Shoes & Custom Made Foot Orthotics | $300 | $300 | $300 |
| Health Practitioners | 50% to $600 combined maximum | 80% to $600 combined maximum | 100% to $600 combined maximum |
| Vision Care (eye wear and eye exams) | $100 / 2 years combined maximum | $150 / 2 years combined maximum | $300 / 2 years combined maximum |
| Hearing Aids | $500 / 5 years | $500 / 5 years | $800 / 5 years |
| Ambulance (road and air) | Unlimited | Unlimited | Unlimited |
| Funeral Expenses (accidental death) | $4,000 | $4,000 | $4,000 |
| Medical Equipment & Supplies (including but not limited to casts, crutches, blood pressure monitors, mobility aids and walkers) | $3,000 combined maximum $500 / item limit on most equipment and supplies $250 limit on embolic stockings $2,500 lifetime limit on sleep apnea machine | $3,000 combined maximum $500 / item limit on most equipment and supplies $250 limit on embolic stockings $2,500 lifetime limit on sleep apnea machine | $3,000 combined maximum $500 / item limit on most equipment and supplies $250 limit on embolic stockings $2,500 lifetime limit on sleep apnea machine |
| Wheelchairs, Motorized Scooters & Adjustable Beds | 80% to $10,000 combined lifetime maximum | 80% to $10,000 combined lifetime maximum | 80% to $10,000 combined lifetime maximum |
| Artificial Limbs, Eyes & Larynx (includes myoelectric limbs) | $10,000 combined lifetime maximum | $10,000 combined lifetime maximum | $10,000 combined lifetime maximum |
Why us
Everybody enjoys the life with success achieved so far and knowing there is so much more to come. The pace of our life is so fast and at times we aren’t quite sure how we got here – yet, we have an idea of where we want to be. Life is not a straight line yet our persistency, endurance, planning and objectivity always deliver happiness by achieving results and over time our aim is to achieve more in life. And we all have different definitions of what that looks like.
Questions?
See your GMS broker, visit gms.ca or call 1.800.667.3699.
We can help you choose the best coverage for your well-being.