Frequently Asked Questions

About GMS Group Advantage® Plans


You operate in a competitive marketplace and it's difficult to attract and retain high-quality, experienced employees. GMS Group Advantage gives you a competitive edge over the competition - allowing you to offer big company benefits at a price that is affordable for your small business.


GMS Group Advantage plans are designed to offer the best mix of benefits with the simplicity of up-front, off-the-shelf pricing. You'll always know the exact cost of your benefit plan, whether adding employees or revising their coverage. You select the plan to meet the individual needs of your business.


All GMS Group Advantage Health plans include health, vision and prescription drug benefits. Gold and Platinum plans feature increased benefit maximums and the inclusion of emergency medical travel insurance. If you'd like to add dental coverage to your employee benefit plan, Silver includes routine, preventative care, Gold adds major procedures and Platinum adds orthodontics to your coverage. Employers choose the annual combined maximum coverage for all Dental plans: $500, $1,000, $1,500 or $2,000.


With GMS Group Advantage Gold and Platinum plans, Group Medical Services will cover you for services provided by health practitioners including podiatrists, chiropractors, massage therapists, acupuncturists, clinical psychologists, physiotherapists and naturopaths.


You and your employees will each receive a comprehensive benefit booklet detailing the plan definitions, maximum benefit limits and specific eligibility. In addition, as an employer you will receive an administration manual outlining all the information you'll need to assist your employees with their plan.


GMS Group Advantage requires that all eligible employees are covered in the selected Health and/or Dental plan.


For your business, any health and dental premiums you pay on behalf of your employees are a tax deductible expense. See your tax advisor for how this benefits your business.


At Group Medical Services, customer service is our specialty. Our experienced claims department will process your claim quickly and accurately, often in fewer than three days from the date received. If you or your employees have any questions about their claims or plan details, they can always call GMS Customer Care toll-free at 1.800.667.3699 and talk with one of our friendly Customer Care Representative.


Employees leaving your group plan are eligible for automatic acceptance into a Group Medical Services Individual Health Plan and can maintain benefit coverage without interruption. Have them call GMS Customer Care or visit our Health Insurance Section for more details on the plans available.


At Group Medical Services, we know that as a small business owner you are very busy. We offer the convenience of on-line administration, on your clock. Add and remove employees and change information with a few simple clicks, 24/7.


Simply call 1.800.667.3699 and one of our friendly and knowledgeable Customer Care Representatives will be happy to assist you. You can also contact your local GMS Broker. We have a network of brokers across the country that can serve your needs.