PERSONAL HEALTH PLAN

 

 

Personal Health Insurance

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.

Ready to buy?

You can get a quote and purchase this insurance online through Cover Me.

Which plan is right for you?

BASICPLAN

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..

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?

ESSENTIALPLAN

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

CHOICEPLAN

All the benefits of EssentialPlan, covering more of your costs, PLUS coverage for vision care, medical emergencies while travelling, and prescription drugs.

Benefits include:

  • Prescription drugs, including ones you’re already taking
  • Glasses and contacts
  • Emergency medical travel coverage

PREMIERPLAN

Our most comprehensive benefits package with greater coverage for prescription drugs†, dental, vision, physio, massage and more including coverage for medical emergencies while travelling.

Benefits include:

  • Prescription drugs, including ones you’re already taking
  • Dental
  • Emergency medical travel coverage

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.