Health Insurance

GMS Replacement Health

ChoicePlan

Our ChoicePlan includes all of the great benefits of EssentialPlan, with some higher maximums, plus prescription drug (including pre-existing prescriptions), vision care and travel emergency medical coverage.

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Benefit Details
*Formulary Prescription Drugs (including pre-existing drugs) 80% to $1,000
Dental Care
  • 80% preventative & basic
  • 50% major
  • $1,250 combined maximum
Accidental Dental $2,000 / injury
Private Duty Nursing  80% to $3,000
Preferred Hospital Room 80% to $5,000 annual maximum
Custom Made Foot Orthotics & Orthopedic Shoes $300
Health Practitioners 80% to $600 combined maximum
Vision Care (eye wear and eye exams) $150 / 2 years combined maximum
Hearing Aids $500 / 5 years
Ground & Air Ambulance Unlimited
Funeral Expenses (accidental death) $4,000
Medical Equipment & Supplies
including but not limited to:
  • casts
  • crutches
  • blood pressure monitors
  • mobility aids
  • 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
Wheelchairs, Motorized Scooters & Adjustable Beds 80% to $10,000 combined lifetime maximum
Artificial Limbs, Eyes & Larynx (includes myoelectric limbs) $10,000 combined lifetime maximum
Breast Prosthesis $325 single / 2 years $650 bi-lateral / 2 years
Annual Travel 
  • 7 days Out-of-Canada
  • 183 within Canada
  • 90-day stability 69 and under
  • 180-day stability 70+
  • Out-of-Canada travel ends at age 80
  • $1,000,000 lifetime maximum

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

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GMS Replacement Health Coverage is available in the provinces and territories of British Columbia, Alberta, Saskatchewan, Manitoba, Ontario, Nova Scotia, Prince Edward Island, Newfoundland, Yukon, the Northwest Territories and Nunavut.

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