We believe it’s our responsibility to be there for our customers in situations like the COVID-19 pandemic. We’re committed to providing support and solutions to individuals and families covered under our Personal and Replacement Health Plans. Starting March 27th, we’re implementing a number of exceptions to our regular business practices for the duration of the provincial states of emergency. These will serve as relief measures to our existing customers during this unprecedented time.
What support is GMS offering to its customers at this time?
Our health plans are intended to help you live well and afford the care you need in unexpected situations. During these uncertain times, emergency medical coverage is more important than ever.
We’re here to ensure you’re able to keep your health benefits throughout this difficult time. We’ve made several options available to help ease the financial stress you might be experiencing and accommodate your coverage needs. Please call us at 1.800.667.3699 and we’ll work with you to find your best option.
My policy's coming up for renewal and I might not be able to afford the whole year. Are there payment options?
You bet. We know paying for the whole year up front isn’t always doable, so you also have the option to pay monthly. You can even set up convenient automatic monthly withdrawals from your bank account. Give us a call at 1.800.667.3699 and one of our Customer Care Representatives will set you up on the payment plan that suits your needs.
My plan's about to renew and I can't afford it. What are my options if I still need the benefits?
To help with the financial strain and uncertainty you may be facing right now, we’ve extended our 30-day deferral period. We’ll allow you to access your benefits without paying your premium for up to 90 days. Claims incurred during those 90 days will be reimbursed when we receive payment. Please call us to at 1.800.667.3699 to learn more.
Can I cancel the optional benefits under my Personal Health plan to lower the cost?
Yes. We recognize the impacts of COVID-19 on your finances and ability to access care. If you’re unable to use and/or afford your add-ons right now, you may be able to cancel those benefits and add them down the road without penalty, waiting periods or medical questions. Please call us at 1.800.667.3699 to talk through your options.
I can only afford the basics right now, can I downgrade my policy even if it's not time to renew?
Absolutely. We've got a number of plans available to suit your budget. While your province is under a state of emergency, we'll happily downgrade you to a more comfortable plan without penalty. Once the state of emergency has been lifted, we’ll put you back in your current plan with no waiting periods or medical questions. Please give us a call at 1.800.667.3699 to adjust your coverage.
I can't make my payment this month, but I don't want to lose my plan. Can you help me?
Yes. If you’re on a monthly payment plan, we’ll let you put your plan on hold with no penalty while your province is under a state of emergency. You won’t be able to access your benefits during this time, but we’ll guarantee your current coverage with no waiting periods or medical questions once the state of emergency is over. To discuss this option, please call us at 1.800.667.3699.
I think I might need to cancel my health plan. How do I do that?
It’s during uncertain times like these, that our coverage for emergency medical care is so valuable. We recommend keeping your health coverage and are committed to supporting you in order to do so. If you feel you need to cancel your plan despite the flexible options available to you, please call us at 1.800.667.3699.
My child's university semester/post-secondary schooling has been cancelled because of COVID-19. Are they still covered even though they're not enrolled in classes?
If your student child was listed as a dependent on your policy before March 13th, yes they still have coverage. We know times like these can’t be predicted so we’re not requiring any proof of continued enrollment for over-age dependents at this time.
I'm a truck driver delivering goods across the US/Canada border. Do I have coverage under the out-of-country emergency medical benefit in my Individual Health plan?
Yes. In collaboration with the Canadian Life and Health Insurance Association, we support the continuation of cross-border trade with the United States. During the COVID-19 pandemic we are waiving our Work and Travel Advisory exclusions in our Individual Health policies, and guaranteeing Emergency Medical coverage for truck drivers with an Individual Health plan.
Thanks for keeping things moving!
If I change my plan during my province's state of emergency, will you automatically change it back when the state of emergency's over?
To avoid surprises, we'll contact you to let you know when we're changing your plan back.