With the purchase of any health plan, you may purchase any of the following options, or add them to your existing Group Medical Services plan at the time of renewal.
Options are available in the provinces of BC, AB, SK, MB, ON, NS, PE and NF. Please select your province of residence for benefit details.
Prescription Drugs
Coverage for 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.
* Coverage excludes contraceptives, fertility drugs, drugs intended to treat sexual dysfunction, lifestyle drugs, diet drugs, drugs for cosmetic purposes, over-the-counter drugs, drugs used to stop smoking, experimental and non-formulary drugs.
Prescription Drugs-Enhanced
Coverage for prescription drugs and oral contraceptives up to $5,000 per person, per year. Includes up to $500 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.
* Coverage excludes fertility drugs, drugs intended to treat sexual dysfunction, lifestyle drugs, diet drugs, drugs for cosmetic purposes, over-the-counter drugs, drugs used to stop smoking, and experimental drugs.
To determine if a prescription medication is listed under your province's drug formulary, contact your provincial health department or ministry, or consult with your physician.
Please refer to the policy document for full details.
Dental Care
Basic services include oral exam, scaling, polishing, fillings, uncomplicated extractions, endodontics, periodontics, oral surgery and repairs to dental appliances. Major services include crowns, bridges, dentures and gold inlays and onlays.
- 1st year: 75% Basic services to a maximum of $500 per person
- 2nd year: 80% Basic services and 50% Major services to a combined maximum of $750 per person
- 3rd year and up: 80% Basic services and 50% Major services to a combined maximum of $1,000 per person
Please refer to the policy document for full details.
Hospital Cash
GMS will pay $100 per day for up to 30 consecutive days if you are hospitalized. Coverage commences on the 4th day of hospitalization for an accident or illness or on the 7th day of a maternity stay. This cash can be used for any expenses such as food, parking, and television or telephone rental.
Please refer to the policy document for full details.
Medical Second Opinion
Is a diagnostic service that gives you access to the top clinical minds at some of the world's most highly regarded medical centres. If you are diagnosed with or suspected of having a serious medical condition you'll be provided with:
- a written analysis of your original diagnosis; and
- a complete review of your treatment plan - including recommended treatment.
The Medical Second Opinion Option:
- covers you, your spouse, dependents, parents, and spouse's parents;
- covers pre-existing conditions;
- has no waiting periods
- lets you select the medical centre (from a list of up to three) that will provide your second opinion; and
- doesn't require travel - your medical records are sent to the selected medical centre for review by a specialist.
For a listing of covered medical conditions and medical centres, click here.
Annual Travel Option
Travel coverage includes the following benefits for medical emergencies:
- Hospitalization and hospital services
- Physicians and surgeons
- Diagnostic Services
- Out-patient Treatment
- Prescription Drugs - maximum 30 day prescription
- Private Duty Nursing - $5,000
- Road and Air Ambulance
- Special Attendant if returned to Canada by air
- Return of Family Member - $1,000
- Paramedical Services - $300
- Accidental Dental - $2,000 for accidents and $500 for dental pain
- Return of Remains - $3,000
- Family to Bedside - $3,000 for airfare and $750 for out-of-pocket expenses
- Family Transportation - airfare, meals and accommodations up to $2,000
- Return of Vehicle - $2,000
- Return of Cat or Dog - $300
- Child Care - $500
- Escort of Insured Child - one way economy airfare
- Coverage Continuation - 72 hours
- Out-of-pocket Expenses - $1,000
- 24 hour Travel Assistance Services
Take as many trips as you like:
- In Canada: $2 million coverage, 180 days per trip, available to all age groups
- Outside Canada: $2 million coverage, 30 days per trip, available to people under 80 years of age
GMS Travel Assistance must be contacted within 24 hours of an emergency or accidental injury if outside of Canada. Failure to notify shall limit payment to 70% to a maximum of $50,000.
* If you have received medical treatment or experienced symptoms within 180 days before your trip, certain exclusions may apply. Please read the policy wording and understand it before you travel. Out-of-Canada travel coverage is not available to persons age 80 and over under the Individual Health Travel option. Those of age 80 or older may apply for coverage under the GMS TravelStar® Daily Travel Plan.
** Residents of Saskatchewan should select an GMS ExtendaPlan® or OmniPlan® health plan for included annual travel coverage.
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