Health Insurance

GMS Replacement Health

Compare Replacement Health Benefit Plans Chart

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Benefits PremierPlan ChoicePlan EssentialPlan Notes
Prescription Drugs 80% to $1,750 80% to $1,000 n/a (including pre-existing drugs)
Dental Care
  • 80% preventative & basic
  • 50% major
  • $1,500 combined maximum
  • 80% preventative & basic
  • 50% major
  • $1,250 combined maximum
  • 80% preventative & basic
  • 50% major
  • $1,000 combined maximum
Accidental Dental $2,000 / injury $2,000 / injury $2,000 / injury
Private Duty Nursing 80% to $5,000 80% to $3,000 80% to $1,000
Preferred Hospital Room 80% to $10,000 annual maximum 80% to $5,000 annual maximum 80% to $2,000 annual maximum
Custom Made Foot Orthotics & Orthopedic Shoes $300 $300 $300
Health Practitioners $600 combined maximum 80% to $600 combined maximum 50% to $600 combined maximum
Vision Care $300 / 2 years combined maximum $150 / 2 years combined maximum n/a eye wear and eye exams
Hearing Aids $800 / 5 years $500 / 5 years $500 / 5 years
Ambulance Unlimited Unlimited Unlimited road and air ambulance
Funeral Expenses $4,000 $4,000 $4,000 for accidental death
Medical Equipment & Supplies
  • $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
including but not limited to casts, crutches, blood pressure monitors, mobility aids and walkers
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 $10,000 combined lifetime maximum $10,000 combined lifetime maximum $10,000 combined lifetime maximum includes myoelectric limbs
Breast Prosthesis $325 single / 2 years $650 bi-lateral / 2 years $325 single / 2 years $650 bi-lateral / 2 years $325 single / 2 years $650 bi-lateral / 2 years
Annual Travel
  • 15 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
  • 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
n/a

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

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