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 Includes vaccines and drugs to treat pre-existing conditions. Limited to drugs covered under your provincial drug plan (formulary).
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

Services totalling $500 or more must be pre-approved.

Private Duty Nursing 80% to $5,000 80% to $3,000 80% to $1,000

Must be prescribed by a physician.

Preferred Hospital Room 80% to $10,000 annual maximum 80% to $5,000 annual maximum 80% to $2,000 annual maximum

Private or semi-private hospital room costs.

Custom Made Foot Orthotics & Orthopedic Shoes $300 $300 $300

Orthopedic shoes require a physician’s written prescription.

Health Practitioners $600 combined maximum 80% to $600 combined maximum 50% to $600 combined maximum

Acupuncture, chiropractic, chiropody/podiatry, clinical psychology, massage therapy, speech therapy, naturopath and physiotherapy treatments.

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  
Ground & Air Ambulance Unlimited Unlimited Unlimited

100% emergency transport to hospital;
50% return of bedridden patients
.

Funeral Expenses $4,000 $4,000 $4,000 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. Full list available in policy wording.
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

These benefits require a physician’s written order.

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
  • 7 days out of Canada
  • 183 within Canada
n/a
  • Emergency medical coverage while travelling
  • 90 day stability age 69 and under
  • 180 day stability age 70+
  • Out-of-Canada travel ends at age 80
  • $1,000,000 lifetime maximum

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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.