Health Insurance

OmniPlan®

Your superior health insurance choice; OmniPlan provides extensive health benefit coverage including health practitioner services like physiotherapy and massage therapy, vision care, and glasses. Don’t forget you can also add prescription drug and dental coverage, and hospital cash to cover out-of-pocket expenses when you have an extended hospital stay.

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Benefit Details
Goods & Services Goods and services may be purchased anywhere in Canada.
Eye Exams Covers the cost of eye exams to a maximum of $90 per person per 2 years
Eyeglasses & Contact Lenses Covers the cost of prescription eyeglasses, sunglasses, contact lenses; and/or corrective laser eye surgery to a maximum of $200 per person per 2 years
Health Practitioners Covers the cost for acupuncture, chiropractic, chiropody/podiatry, clinical psychology, massage therapy, speech therapy, naturopath and physiotherapy treatments; maximum $35 per visit to a maximum of $300 per specialty, per person, per policy year
*Hearing Aids Covers the cost of a hearing aid; maximum $800 per person, per 5 years (one year waiting period applies)
Health Supplies & Equipment Covers the cost of various health supplies and equipment like rib belts, air casts and shoulder immobilizers to an overall maximum of $500 per person per year (see the policy wording for a complete list of eligible items; requires a physician's written prescription)
Diabetic Supplies & Equipment Covers the costs of diabetic supplies and equipment, including testing devices, when ordered in writing by a physician; maximum $300 per person per year (one year waiting period on testing devices)
Oxygen Equipment Provides payment for the purchase or rental of oxygen equipment and/or CPAP supplies when prescribed by a physician for personal use at home; maximum $500 per person per year to a lifetime maximum of $2,500 (does not cover CPAP machines or the cost of oxygen)
Blood Pressure Monitors Covers the cost of a blood pressure monitor when ordered in writing by a physician; maximum 1 per policy per 5 years
Custom Made Foot Orthotics Covers 80% of the cost for custom made foot orthotics with a maximum of one pair per person per 3 years for adults; and a maximum of one pair per person per year for children under 16
Orthopedic Shoes Covers the cost to purchase or replace customized orthopedic shoes to a maximum of $225 per person per year
Mobility Aids Covers the cost of canes, reaching aids, raised toilet seats, grab bars, bathtub/toilet safety rails and bathtub/transfer benches when accompanied by a physician's letter of necessity; maximum $300 per policy per year
Ostomy Supplies Covers the cost of ostomy supplies when required for use in the home to a maximum of $300 per person per year
Funeral Expenses $4,000 for funeral expenses in the case of accidental death
Out-of-Province Referral Covers the costs of a physician, anaesthetic, radiology, laboratory, hospital and ambulance services outside your province of residence, for treatment which is not available in your province of residence; lifetime maximum of $50,000 person (requires a written recommendation from a specialist physician and prior written approval of GMS)
Ambulance Covers the cost of emergency transport by a road ambulance to the nearest hospital or health centre and 50% of the costs for return to your province of residence if you are bedridden at the time of your discharge; maximum unlimited
Air Ambulance Covers the cost of emergency transport, within your province of residence, by air ambulance to the nearest hospital or health centre; maximum unlimited (requires authorization by a physician)
Casts & Crutches Covers the cost of fibreglass casts and the purchase or rental of crutches; maximum unlimited
Preferred Hospital Room Covers the cost of private or semi-private hospital rooms; maximum 45 days per person; overall maximum of $3,500 per person per year
Private Duty Nursing Covers 80% of costs to $5,000 per person per year for in-hospital nursing or in-home palliative care.
In-Hospital Drugs Covers the cost of prescription drugs, which are not covered by provincial prescription drug service plans, for patients in hospital; maximum $2,000 per person per year
Accidental Dental Covers the cost for dental services resulting from an accidental injury; maximum $5,000 per injury (services totalling $500 or more must be pre-approved by GMS)
*Wheelchairs, Motorized Scooters & Adjustable Beds Covers the cost to purchase or rent a wheelchair, motorized scooter, and/or adjustable bed when ordered in writing by a physician; maximum $1,000 per person per 5 years (a one year waiting period applies)
Artificial Limbs, Eyes & Larynx Covers the cost of artificial limbs, eyes and/or larynx to a maximum of $5,000 per person per year
Patient Walkers Covers 80% of the cost to purchase or rent a patient walker to a maximum of $300 per person per 5 years (requires a physician's written order)
Breast Prosthesis Covers the cost of an artificial breast prosthesis to a maximum of $325 per 2 years if lateral and $650 per 2 years if bilateral (a physician's written referral is required for bilateral mastectomy patients; excludes surgical brassieres)

* Subject to waiting period

 

Travel Emergency Medical Coverage

Travel Detail
Saskatchewan Residents OmniPlan provides coverage in case of a medical emergency when travelling outside your province of residence or Canada; coverage for trips 30 days or less; and includes 23 essential benefits and $2 million maximum coverage (see the policy wording for complete details)
British Columbia, Alberta, Saskatchewan, Manitoba, Ontario, Nova Scotia, Prince Edward Island, Newfoundland, Yukon, Northwest Territories and Nunavut. Coverage for medical emergencies while travelling can be included in your OmniPlan 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

Additional Coverage Options

Option Detail
Basic Prescription Drug Payment up to $3,500 for formulary* drugs.
Enhanced Prescription Drug Payment to an overall maximum of $5,000 for formulary* prescription drugs and oral contraceptives. Includes $800 for pre-existing medications.
Dental Care Preventative Care, Basic and Major Services.
Hospital Cash $100 per day up to a maximum of $3,000 per policy year.

*a list of government-approved presciption drugs that are covered by a provincial health care plan

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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, Northwest Territories and Nunavut.

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