Health Insurance

Compare Personal Health Coverage Plans Chart

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Benefits Omniplan® Extendaplan® BasicPlan Notes
Goods & Services Goods and services may be purchased anywhere in Canada. Goods can be purchased anywhere in Canada. Services must be received in your province of residence. Goods can be purchased anywhere in Canada. Services must be received in your province of residence.
Eye Exams $90 / 2 years $90 / 2 years n/a
Eyeglasses & Contact Lenses $200 / 2 years Included in Eye Exam limit n/a
Health Practitioners Maximum $35 per visit to a maximum of $300 per specialty, per person, per policy year. Maximum $35 per visit to a maximum of $250 combined, per person, per policy year. n/a Acupuncture, chiropractic, chiropody/podiatry, clinical psychology, massage therapy, speech therapy, naturopath and physiotherapy treatments
Hearing Aids $800 / 5 years $500 / 5 years n/a One year waiting period.
Health Supplies & Equipment $500 / person / year $500 / person / year n/a See policy wording for a complete list of eligible items. Requires a physician's written prescription
Diabetic Supplies & Equipment $300 / person / year $300 / person / year n/a Diabetic supplies and equipment, including testing devices when ordered in writing by a physician. One year waiting period on testing devices.
Oxygen Equipment $500 / person / year to a lifetime maximum of $2,500 $500 / person / year to a lifetime maximum of $1,500 n/a Does not cover the cost of oxygen or CPAP machines
Blood Pressure Monitors 1 / policy / 5 years 1 / policy / 5 years n/a
Custom Made Foot Orthotics 80% 1 / 3 years / adult; 1 / year for children under 16 80% 1 / 5 years / adult; 1 / year for children under 16 n/a
Orthopedic Shoes $225 / person / year $225 / person / year n/a Require a physician's written prescription.
Mobility Aids $300 / policy / year $300 / policy / year n/a Canes, reaching aids, raised toilet seats, grab bars, bath safety rails and transfer benches when accompanied by a physician's letter of necessity
Ostomy Supplies $300 / person / year $300 / person / year n/a
Funeral Expenses $4,000 for funeral expenses in the case of accidental death n/a n/a
Out-of-Province Referral $50,000 / person lifetime maximum $50,000 / person lifetime maximum n/a Requires prior written approval from GMS.
Ambulance Unlimited Unlimited $2,000 / person / year 100% emergency transport to hospital; 50% return of bedridden patients
Air Ambulance Unlimited Unlimited Unlimited Transport within your province of residence
Casts & Crutches Unlimited Unlimited Unlimited Fibreglass casts and the purchase or rental of crutches.
Preferred Hospital Room 45 days up to $3,500 / person / year $1,000 / person / year $500 / person / year Private or semi-private hospital room costs
Private Duty Nursing 80% to $5,000 / person / year for in-hospital or in-home as palliative care nursing 80% to $3,000 / person / year for in-hospital or in-home as palliative care nursing. 80% to $1,500/ person / year for in-hospital nursing In-home nursing is for palliative care only; must be prescribed by a physician.
In-Hospital Drugs $2,000 / person / year $1,000 / person / year $1,000 / person / year
Accidental Dental $5,000 / injury $2,000 / injury $500 / injury Services totalling $500 or more must be pre-approved.
Wheelchairs, Motorized Scooters & Adjustable Beds 100% of purchase or rental to a maximum of $1,000 / person / 5 years 100% of purchase or rental to a maximum of $750 / person / 5 years 100% of purchase or rental to a maximum of $500 / person / 5 years These benefits have a one year waiting period and require a physician's written order
Artificial Limbs, Eyes & Larynx $5,000 / person / year $5,000 / person / year $5,000 / person / year
Patient Walkers 80% of purchase or rental to a maximum of $300 / person / 5 years 80% of purchase or rental to a maximum of $300 / person / 5 years 80% of purchase or rental to a maximum of $300 / person / 5 years Requires a physician's written order
Breast Prosthesis $325 / 2 years lateral $650 / 2 years bilateral $325 / 2 years lateral $650 / 2 years bilateral $175 / 2 years lateral $350 / 2 years bilateral Excludes surgical brassieres

Travel Emergency Medical Coverage

Province of Residence Omniplan® Extendaplan® BasicPlan Notes
Saskatchewan
  • 30 days out of Canada
  • 183 days within Canada
  • $2,000,000 annual maximum
  • 48 or 63 days out of Canada
  • 183 days within Canada
  • $2,000,000 annual maximum
n/a
British Columbia, Alberta, Saskatchewan, Manitoba, Ontario, Nova Scotia, Prince Edward Island, Newfoundland, Yukon, North West Territories and Nunavut Coverage for medical emergencies while travelling, can be included in your OminPlan, ExtendaPlan, or BasicPlan by selecting the Annual Travel Additional Coverage Option when you purchase your plan.
  • $2 million in coverage
  • 3 options for trip lengths: 15, 30, or 48 days per trip
Subject to exclusions for pre-existing conditions
See the policy wording for complete detail.

Additional Coverage Options

Benefit Description
Basic Prescription Drugs Covers the cost of prescription drugs listed under your provincial drug formulary (as detailed under your province's drug or pharmacare plan/program) up to $3,500 per person, per year. Pay only $4.00 for each eligible prescription. Use our convenient pay-direct card and reduce your out-of-pocket expenses. Prescriptions for pre-existing medical conditions are not eligible for coverage.
Enhanced Prescription Drugs Covers the cost of prescription drugs and oral contraceptives up to $5,000 per person, per year. Includes up to $800 coverage per person, per year for prescription medications for pre-existing medical conditions and legal prescriptions for medications not listed under your provincial drug formulary. Pay only $4.00 for each eligible prescription. Use our convenient pay-direct card.
Dental
  • 1st year - 75% to $500; Basic services
  • 2nd year - 80% Basic, 50% Major to $750
  • 3rd year - 80% Basic, 50% Major to $1,000
A three month waiting period applies to all dental services. Services over $500 must be pre-approved by GMS.
Hospital Cash $100 / day, up to annual maximum of $3,000 per policy year. Begins on the 4th day of hospitalization, in the case of an accident or illness, or on the 7th day of hospitalization in the case of pregnancy or childbirth.

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GMS Personal Health coverage is available in the provinces and territories of British Columbia, Alberta, Saskatchewan, Manitoba, Ontario, Nova Scotia, Prince Edward Island, Newfoundland, Yukon, North West Territories and Nunavut.

This is a summary of benefits. Please refer to the policy wording for complete details.