Frequently Asked Questions

General

How can I find a GMS broker?

The GMS Broker Network stretches from coast to coast. Contact our Customer Care Centre toll-free at 1-800-667-3699 and we’ll connect you to a broker near you. 

Can I submit health claims online?

Absolutely. When you register for a My GMS account you can submit and review claims and payments, set up direct deposit, review your policy information, and more.

 

We like to remind our health and dental customers that submitting claims through My GMS speeds up the claims processing and payment process. (Prefer to submit by snail mail? We have that option, too.)  

What is GMS’s non-sufficient funds (NSF) policy?

Here’s a snippet from our NSF policy (effective April 1, 2010):  

 

“When Group Medical Services (GMS) receives payment that, when deposited, is returned marked Non-Sufficient Funds (NSF) or Funds Not Cleared, GMS shall provide an opportunity for the payer to make proper payment or to arrange for a satisfactory payment schedule. A $25 fee will be collected from the payer by GMS to cover administrative and banking fees related to the returned payment. As well, all claims payments will be put on hold until full payment plus NSF fee is made. If payment is not received within thirty (30) days or the payment schedule is not adhered to, GMS will take the appropriate action.” 

How does GMS protect my personal information?

We take the utmost care to protect the personal information we collect to provide our products and services. Our Privacy Policy explains this commitment to protection along with information safeguards and restrictions for collecting and using data.

Saving A Quote

What happens when I save an insurance quote?

When you save an insurance quote, we’ll send you an email with the information you gave us and a link to finish your purchase. This information stays in our system for 60 days, so you have time to make your decision. Don’t worry – we'll email you a reminder 10 days before your quote expires.

Is the premium in my saved quote guaranteed?

No. A quote is not a guarantee. Any price we quote can change based on age, rates, health changes, and other factors. We automatically update saved quotes based on price changes; as long as your quote hasn’t expired (you’ll find the expiry date in your quote summary email), we’ll flag the change when you come back to complete your quote or purchase.

Can I refresh a saved quote?

Yes. Saving your original quote again will refresh the quote and keep it in our system for another 60 days. We’ll email you a new quote number.

Claims

How do I submit a health or dental claim?

The fastest and easiest way to submit a health or dental claim is through your My GMS account. We also accept claims by mail to:

 

Group Medical Services 
Claims Department
2055 Albert Street, PO Box 1949
Regina, SK S4P 0E3

 

Before you submit, remember to:

• review the form instructions;
• attach all your receipts (original if sending by mail, copies if sending online); and
• submit within 12 months of your service date.

 

If your individual or group health and dental policy ends, you must submit any claims to us within 30 days of the policy termination date.  

 

We post our estimated claims turnaround times here.

Can my health provider bill GMS directly?

Yes. Your GMS card doubles as a pay-direct card which means participating dentists, pharmacists, and other health and vision service providers like massage therapists and optometrists can bill us directly and save you from submitting a claim. Use our Pay-Direct Provider Locator to find a provider near you.

What are ‘reasonable and customary limits’ and how do they affect a claim?

Reasonable and customary (or R&C) limits are maximum amounts we set for services and items. We calculate these limits based on the average amount health providers charge and the province the service is provided in. 

We factor R&C into our claims review process. 

Health Insurance (General)

What is private health insurance? Do I really need it?

Private health insurance (sometimes called individual or personal health insurance) covers Canadians for the costs of medical services that aren’t included in provincial health plans. Your provincial health card looks after the basics (trips to the doctor or emergency room visits, for example), but you’re responsible for everything else: certain prescription drugs, vision services, physiotherapy, chiropractic, acupuncture, and more. 
 

Ultimately, choosing to buy private health insurance is a decision only you can make. If you do decide to buy, we promise to deliver quality insurance – honestly.

How much does private health insurance cost in Canada? 

The answer no one wants to hear: it depends. Our team considers your age, location, level of coverage, and medical history when we're pricing out your plan. The good news is we’ve made getting a quote easy.

How do I know which private health insurance plan is right for me? 

There are a few ways to find out: you can call us and talk to someone from our Customer Care team, or spend a few minutes in our Help Me Choose health insurance plan recommender  to see which plan best fits your needs.

Do I need private health insurance to visit another part of Canada? 

This shouldn’t come as a surprise since we’re a health insurance provider, but we think it’s a smart call. Your provincial health plan will cover basic services like doctor’s appointment or a visit to the emergency room, but you’re on the hook for things like emergency ambulance rides, prescription drugs, and dental work. The last thing anyone needs on a trip is an unexpected medical bill, so why not plan ahead instead?

Personal Health

What is private health insurance? Isn’t my provincial health card enough?

As Canadians, we benefit from a public health care system and provincial health plans that cover many basic medical expenses. But, like most systems, it’s not perfect.

Buying private health insurance supports your health while protecting your wallet. From contacts and dental exams to massages and medical equipment, if you ask us, it’s a purchase you won’t regret.

Can I change my plan benefits or move maximums to other benefits? 

No. GMS Personal Health plan benefits are fixed. Contact us if you need more coverage; we’ll find you an insurance solution that fits.

Does everyone on a Personal Health policy have the same benefits? 

Yes. Everyone under couple or family coverage has the same benefits, including Add-on Coverage options.

I’m moving to a new part of Canada. Do I have to let GMS know? 

Yes, you do. (Congrats on your move, by the way!) Personal Health plan premiums are based on where you live. We’ll tell you if your premium changes with your new address.

Make sure you let us know if you haven’t received provincial health coverage within three months of your move.

Can I buy Add-On Coverage if I already have a plan?

You sure can. You won’t have to apply, either. All you need to do is fill out a Plan Upgrade Form and send it our way.

If you want to add dental coverage, let us or your broker know and we’ll take care of it. No paperwork needed.  

Where can I find my policy wording and reasonable and customary (R&C) limits?

Log into your My GMS account. Your policy details, including reasonable and customary limits, are in the Policies & Resources section. 

I have travel coverage with my plan. How do I know if my medical condition is “stable” before I travel?

If your Personal Health plan includes travel coverage and you either have an existing medical condition or develop one, we’ll consider that condition “stable” if there hasn't been a change in condition or treatment for a designated period before travelling. Your policy wording will include all the specifics.

What is a “medical emergency” when I’m travelling?

A medical emergency is any sudden or unforeseen medical condition that needs urgent medical attention (breaking your arm on the ski hill or coming down with the flu, for example).

How do I make changes to my Personal Health plan?

Call our Customer Care Centre toll free at 1-800-667-3699 and we’ll get you sorted, whether that’s adjusting benefits, switching to monthly payments, or something else.

Can I renew my plan online?

Yes! This is one of the many things you can do with your My GMS account. Click on Renewals to find your renewal notice and make a payment. It’s fast, secure, and we won’t store your credit card information.

Replacement Health

Am I eligible to buy a Replacement Health plan?

You can buy Replacement Health insurance if your coverage starts within 90 days of leaving a group plan. Replacement Health insurance is an excellent option if you recently retired, left your job to start a new business, are changing jobs, aged out of your parents’ work benefits plan, or changed your work hours and lost coverage as a result.

What’s the difference between a Replacement Health plan and a Personal Health plan?

Both are great health insurance options (if we do say so ourselves) because they cover health care costs that government plans don’t. Although they have similar benefits, Replacement Health plans are only available to people losing coverage from a group benefits plan. With Replacement Health, you’ll maintain coverage for conditions you were covered for under your group plan. Replacement Health plans come bundled based on typical group package offerings, so if flexibility is what you’re after then you may want to check out our Personal Health insurance plans. These plans are underwritten and priced based on a series of medical questions.

When can my Replacement Health coverage start?

As long as your coverage starts within 90 days of your group benefits ending, the date is up to you.

How do I make changes to my Replacement Health plan?

You can downgrade your plan when it’s time to renew, but Replacement Health customers can’t upgrade their plan.

Call our Customer Care Centre toll free at 1-800-667-3699 - we're here to help. 

Where can I find my policy wording and reasonable and customary (R&C) limits?

Log into your My GMS account. Your policy details, including reasonable and customary limits, are in the Policies & Resources section.

I have travel coverage with my plan. How do I know if my medical condition is “stable” before I travel?

If your Replacement Health plan includes travel coverage and you either have an existing medical condition or develop one, we’ll consider that condition “stable” if there hasn’t been a change in condition or treatment for a designated period before travelling. Your policy wording will include all the specifics.  

What is a “medical emergency” when I’m travelling?

A medical emergency is any sudden or unforeseen medical condition that needs urgent medical attention (breaking your arm on the ski hill or coming down with the flu, for example).

What is the Prescription Drug Lookup Tool and how does it work? 

Our Prescription Drug Lookup Tool is a fast, easy way to stretch your benefit dollars by finding out which drugs are covered (to a maximum of 80%) under your plan. We’re proud to cover a wider range of prescription drugs than other insurance providers. 

 

To use the tool, enter a drug identification number (DIN), chemical name, or drug name. Results will appear in the table as you type. 

Travel Insurance (General)

What is travel insurance?

Travel insurance can’t guarantee your itinerary, but it can protect your wallet. Getting medical treatment in a foreign country or rebooking a flight home after your airline cancels your ticket without warning can be expensive and overwhelming. Travel insurance helps take some of that worry away.

We have two TravelStar travel insurance options for Canadians:

• Emergency Medical travel insurance: Covers you in case you need emergency medical care while you’re travelling.
• Trip Cancellation & Interruption travel insurance: Covers many of the expenses that come with an interruption or cancelled trip.

How much does travel insurance cost?

The answer no one wants to hear: it depends. Our team considers your age, location, level of coverage, and medical history when we're pricing out your plan. The good news is we’ve made getting a quote easy.

I’m travelling within Canada. Do I really need travel insurance?

You might be surprised to learn that some emergency medical services aren’t covered by government health insurance when you’re visiting another province or territory. Travel insurance is easy to buy, easy to pack, and takes some of the stress out of an otherwise stressful time.

Can I extend my Emergency Medical coverage if I decide to travel longer than originally planned?

Yes, provided you haven't incurred a claim or required medical treatment or medical consultation during your trip. Your request must be received at least two days before the expiry of your policy.

TravelStar Emergency Medical Insurance

What is a medical emergency?

A medical emergency is any sudden or unforeseen medical condition that needs urgent medical attention (breaking your arm on the ski hill or coming down with the flu, for example).

How do I know if I qualify for Emergency Medical travel insurance?

Let’s find out. Head here for a full list of TravelStar eligibility criteria.

These criteria apply to all applicants, even if an applicant (a child under the age of 16, for example) isn’t charged a premium.

Is there an age limit for Emergency Medical travel insurance?

There’s no age limit if you're buying single-trip emergency medical insurance, but multi-trip emergency medical plans are only available for customers 79 years or younger at the time of application.

Does GMS TravelStar Emergency Medical travel insurance cover pre-existing medical conditions?

Your travel health insurance plan covers medical expenses for pre-existing conditions that have been stable for at least 180 days before travelling. Even if your doctor gives you the “all clear” to travel, you’ll need to meet our requirements (found in our policy wording).

How much does travel emergency medical insurance cost?

The answer no one wants to hear: it depends. We consider your age, deductible, and medical history when we’re pricing out your plan. The good news is we’ve made getting a quote easy.

I bought a multi-trip GMS TravelStar Emergency Medical plan. Is it refundable?

Prior to your effective date, the policy is refundable. After your effective date, the policy is non-refundable.

Do you offer a family rate for emergency medical coverage?

We do! The last thing we want is for insurance costs to derail your family vacation plans. There are two ways families can save when you choose GMS for emergency medical travel insurance:

• Add your kids for free: Adults buying Single Trip Emergency Medical insurance can add up to six kids (under the age of 16) for free.
• 5% companion discount: If you’re travelling with another family member over the age of 16, apply together and we’ll take 5% off your coverage costs.

How does Emergency Medical insurance work for grandparents and grandkids? Can everyone be listed on the same policy?

Only if the grandparents have legal custody of the grandkids. If not, each grandkid will need their own policy with consent from the parent or legal guardian listed on the application.

My trip exceeds the local limit to keep my provincial/territorial health coverage. Can I still buy a TravelStar Emergency Medical plan? 

You must have valid provincial health coverage to be covered under our Emergency Medical plans. It’s up to you to contact your provincial health region to keep your coverage if a trip exceeds their coverage limit.  

I’m leaving on a trip right away. How long will it take for GMS to approve my Emergency Medical coverage application? 

Good news: if you’re buying an Emergency Medical insurance plan online or over the phone, we’ll approve you as soon as the application is processed.  

I’m buying Emergency Medical coverage as a top-up for another plan. Does that change how you measure medical condition stability? 

This depends on what you’re topping up: 

 

• If you’re topping up an existing GMS plan (a Personal Health plan that includes travel coverage, for example), we measure stability by the stability period of the existing plan. 

• If you’re topping up a plan from another provider, we measure stability as 180 days before your plan’s effective date.  

Will my coverage change if my health changes after I buy a plan and before I leave on a trip? 

It could. Let us know about any health and/or medication changes before you travel. A change in health could increase your premium, make you not eligible for coverage, and/or impact coverage for that pre-existing medical condition. Any pre-existing condition(s) must be stable for 180 days immediately before your departure date.

If I travel overseas, will I be covered for medical emergencies?  

• you’re travelling while your policy is in effect;  

• your trip is within the number of days you have coverage for from your departure date;  

• the Government of Canada hasn’t issued a travel advisory to “avoid all travel” or “avoid non-essential travel” for your destination;  

• All of your pre-existing medical conditions have been stable for 180 days immediately before your departure date;  and 

• It is important that you review the policy’s eligibility requirements and all the exclusions in the policy to ensure that none of them apply to you prior to your departure date.

What happens if I must return home for an unexpected event and I intend to return to my trip? 

We do offer a coverage continuation benefit. When an unexpected event occurs requiring you to return early from your trip, coverage will continue at no additional premium when you resume your trip prior to your return date. This does not apply if you are returned to your province/territory of residence as a result of your medical emergency. There is no refund for unused periods of coverage. Costs to return to your province/territory of residence or to your trip destination are not recoverable. Any medical treatment or medical consultation received during the return to your province/territory of residence must be reported to GMS prior to resuming your trip and may impact your eligibility and/or may void your policy.

TravelStar Trip Cancellation Insurance

Who can buy TravelStar Trip Cancellation and Interruption Insurance? 

Anyone can buy trip cancellation insurance if you tick all these boxes:

• you’re a Canadian resident;
• you’re buying a plan before leaving on a trip;
• your destination isn’t under a Government of Canada travel advisory to "avoid non-essential travel" or "avoid all travel";
• your trip is valued at $20,000 or less; and
• you’ve answered all our medical questions (for trips valued over $12,000). 

Is Trip Cancellation Coverage subject to provincial retail sales tax?

 Yes, in some provinces.

My trip costs more than $20,000 per person. Can I buy Trip Cancellation and Interruption insurance?

Unfortunately, not. Trips valued at more than $20,000 per person are not eligible for coverage.

Can I top-up my credit card trip cancellation coverage with a Trip Cancellation and Interruption plan?

No. You must insure the the full amount that you pre-paid for the trip per person.

What coverage do I get for baggage loss, delay, and damage?

We will cover up to $500 per item or set, to a maximum of $1,500 per person.

My trip was cancelled - can I get a premium refund for my plan? 

You’d be eligible for a premium refund if your travel supplier (ex. airline, tour operator, cruise ship, etc): 

• cancelled the trip and gave you a full refund with all penalties waived; or
• changed the travel dates and gave you a full refund with all penalties waived because you’re unable to travel on the new dates. 

You’ll need to submit proof for us to refund the premium. Contact us for details. 

If your trip is interrupted or cancelled

If I’ve been delayed returning to Canada, do I need to extend my Trip Cancellation Insurance? 

There’s no need to extend your policy if you’re delayed returning home. You can submit a claim for your interrupted trip once you get back home. 

What should I do if I have to cancel my trip? 

For full or partially-refundable trips, contact your travel supplier as soon as you can. Once your trip has been cancelled, you’ll need to go our Trip Cancellation & Interruption Insurance Claim page to learn what steps to follow. 

 

Reimbursement will not be provided for trips booked through the redemption of any reward points

My vacation’s been rescheduled by my travel supplier - can I change the dates of my Trip Cancellation Insurance? 

Yes, you can change the dates of your coverage as long as you haven’t left on your trip and your new departure date is within 18 months from the date you purchased your plan. 

My travel supplier is only offering a voucher/credit for the full value of my cancelled trip, but I'd like a cash refund instead. Can I make a claim? 

Our Trip Cancellation Plans offer coverage for costs that can’t be recovered when a trip is cancelled - for example a non-refundable deposit. If your supplier has offered a voucher/credit for the total value of your cancelled trip, it’s considered a full refund under your Trip Cancellation Plan. With a full refund available in voucher/credit form, there is no cost to be recovered, and a claim cannot be made. 

With that said, you may be eligible for a premium refund. Please call us at 1-800-667-3699 for more information. 

 

Any disputes over refunds and vouchers/credits should be directed to your travel provider, transportation carrier, or the Canadian Transportation Agency 

Travel Advisories and Trip Cancellation & Interruption coverage 

The Government of Canada hasn’t issued a travel warning yet, but I’m afraid to travel to my destination. Will my trip cancellation insurance cover me? 

No. Coverage is only applicable when the Government of Canada has a travel advisory for your destination of “Avoid all travel” or “Avoid non-essential travel.”  

The government of Canada has issued an Avoid all" or "Avoid non-essential" travel warning for my trip destination. Should I cancel my trip right away? What do I do? 

A travel advisory must be in effect on your scheduled travel dates. Due to that, you must wait to cancel your trip within 2 weeks of your departure date. Please click here for further information on how and when to submit your claim. 

I’m returning to Canada early because the Canadian government advised all Canadians to return home. What will my trip cancellation insurance cover? 

There is only coverage as long as the government did not issue a global travel advisory. A global travel advisory is different than an advisory issued for a country, region, city or destination, including cruise ships. Your plan will cover the cost to change your ticket or book one-way transportation home, whichever’s less. You’ll also have coverage for unused, non-refundable tickets, accommodations, car rentals, etc.  

My travel supplier has cancelled my trip due to the Canadian government issuing a Global Travel Advisory. Is this covered? 

No. There is no coverage for any happening if the Canadian government issues a global travel advisory. 

Group Plans

Is GMS Group Advantage open to companies of any size? 

Right now, we only offer GMS Group Advantage benefit plans to companies with three to 49 employees.

Can I choose which benefits I include in my group health plan? 

We designed GMS Group Advantage with a focus on consistent, reliable rates and comprehensive coverage. Most of the benefits are pre-selected, but you can choose between our Silver, Gold, and Platinum plans based on what you think you and your team need. You can also decide to add life, disability, critical illness benefits, and more.

How do Health Care Spending Accounts (HCSA) work? 

As an employer, you choose the HCSA amount your employees get each year, from a minimum of $250 per employee all the way up to $15,000. You can even set different amounts for different employee groups (managers versus staff, for example). Once you’ve set up your HCSA, employees can send claims for reimbursement just like they would any other benefits. We’ll make sure those claims are eligible, reimburse the employee, and send you a monthly invoice for the total cost of claims plus a 10% administration fee and any applicable taxes.

What kinds of medical expenses are non-taxable?

We’re glad you asked. The Canada Revenue Agency keeps a list of expenses eligible for HCSA coverage. Common examples include things like prescription eyeglasses, prescription drugs, and dental services.

Can my employees submit claims online?

You bet. Encourage your employees to sign up for a My GMS account; once they do, they can submit claims, track claim payments, sign up for direct deposit, and get more information about a claim through their Explanation of Benefits.

I’m part of a Group Advantage plan. How do I access my group’s information online?

If you’re a plan administrator, you need to fill out our Online Administrator Agreement and email it to @email Once that’s done, you can update employee information, add or remove members/dependants, update personal information, and more.

If you’re a plan member, you need to register for a My GMS account. Inside your account you can submit claims online, check claim payments, update personal information, and access GMS Care Network 

Does GMS have an assistance program?

We do! GMS Care Network is our assistance program. It’s included with all GMS Group Advantage plans and gives you and your employees access to around-the-clock care from licensed general practitioners, counsellors, coaches, and more.

Do all my employees have to enroll in the group benefits plan?

Not necessarily. If an employee is covered by another health or dental plan (their spouse’s, for example), they can opt out of that portion of the plan by filling out the Waiving Benefits section of our Enrolment/Change form.  

Do I have to let GMS know to extend health and dental benefits to employees on temporary layoff?

Yes. We need to know within 31 days which employees have been temporarily laid off.

How do I apply for a group benefits plan?

We make buying group benefits easy – honestly. Our Group Sales team is happy to help you through the application process. Fill out our Group Quote Form we'll get you a quote within two business days.

Visitors to Canada Insurance

Is there an age limit for Visitors to Canada emergency medical insurance coverage? 

Yes. Anyone covered under a GMS Visitors to Canada Insurance plan must be under the age of 80 as of the policy effective date.

I’m a Canadian citizen moving back to Canada, but I don’t have government health coverage yet. Can I buy a Visitors to Canada Insurance plan?

You sure can. Buying health insurance for visitors to Canada will cover emergency medical expenses between your arrival and when your provincial health coverage kicks in.

I’m already in Canada. Can I still buy a Visitors to Canada Insurance plan?

Absolutely, but there may be a waiting period if you don’t already have a plan (with GMS or someone else) when you apply.

If you’re within 30 days of arriving in Canada and don’t already have insurance, your coverage for medical conditions, other than injury, won’t kick in until two days after your effective date.

If you’ve been in Canada for more than 30 days and don’t have insurance, your coverage for medical conditions, other than injury, won’t kick in until 7 days after your effective date.

Coverage for injuries that need emergency care starts on your plan effective date.

Can I extend my plan if I decide to stay in Canada longer?

We’re happy to extend your coverage if you tick these boxes:

• You or any person insured under this policy have not needed medical treatment (whether a claim was submitted or not) during your period of coverage.
• Your plan has been in effect for less than one year (365 days).
• You haven’t turned 80 years of age or older as of the start date for the policy extension.
• You don't have a reason to seek medical treatment, excluding the regular care of chronic condition or medical evaluation required to satisfy travel visa requirements.

Contact us at least 48 hours before your plan expires and someone from our Customer Care team will be happy to help

Does Visitors to Canada Insurance cover pregnancy-related care?

Our plans don’t cover expenses related to pregnancy, abortion, miscarriage, childbirth, or complications of any of these conditions.

Does Visitors to Canada Insurance cover regular/annual checkups?

No. Visitors to Canada Insurance is only meant for emergency medical treatments.

Will I be covered if I travel to another country during my stay in Canada?

It depends. You’ll have coverage as long as:

• your trip is for 30 days or less and the total number of days you'll spend outside of Canada is not more than 50% of your total period of coverage.
• there is no Government of Canada travel advisory for your side trip stating "Avoid non-essential travel" or " Avoid all travel" for the country, region, or city or other destination (including cruise ships) that are part of your travel arrangements;
• your trip starts and ends in Canada; and
• you are not travelling to your country of origin. 

My plans have changed. Can I get a refund on my Visitors to Canada insurance plan?

In most cases we’re happy to give you a partial or full refund.

Here are a few common scenarios:

• No longer coming to Canada: Hopefully we’ll see you soon! We’ll refund your policy in full if you contact us before the effective date on your confirmation document.
• Becoming a Canadian: Congrats! Once we have proof of your provincial coverage, we’ll calculate your refund from the date your government health plan starts minus an administration fee.
• Heading home early: If you haven’t made a claim, we’ll calculate your refund from the day you leave. We’ll need proof of your departure (your travel itinerary, for example) when you ask for a refund.
• Visa application denied: Send us a copy of the visa decline letter when you ask for a refund. If your policy is already in effect, we’ll calculate your refund from the day you contact us, minus an administration fee. 

Call our Customer Care Centre at 1-800-667-3699 or email @email to find out what we can do for you.

How will I get my refund?

This depends on how you paid for your plan:

• Credit card: We’ll credit the amount back to your card.
• Cash or cheque: Unless you name someone else to receive your refund, we’ll send a cheque to the sponsor's address listed on your application. 

If your policy is 13 months or older, we’ll send any eligible refunds by cheque.

I have a sponsor on my plan. Will they get my claim payments?

Yes, your sponsor will receive claim payments on your behalf. 

Can I name another person/sponsor to get my claim payments?

Yes. Fill out Section F on our Visitors to Canada Claim Form and we’ll make the change. If you’ve already submitted a claim, fill out our Assignment of Payment form.

GMS Care Network

What is the GMS Care Network?

GMS Care Network is our assistance program, available to all Personal Health, Replacement Health, and Group Advantage customers. It’s a network of virtual secure services that support whole health, from telemedicine and cognitive behavioural therapy (CBT) to counselling and coaching. 
 

GMS Care Network services are available 24/7/365 by phone, through the app, or on your computer.

Is the GMS Care Network confidential?

Yes. Protecting your personal information is something we take very seriously at GMS. We choose partners who share this commitment. GMS Care Network is offered through GreenShield Canada. You can find more information about their information and data security here.

How many counselling sessions do I get?

Each person covered under your plan gets up to 25 hours of counselling and coaching. This includes five hours of individual counselling, five hours of couples counseling, and five hours for three different types of coaching: health, life or transition, and career. Plus, you get unlimited 30-minute legal and financial consultations.

I’m not happy with my counsellor. Can I switch?

You sure can. It’s important that you feel comfortable with your provider. If that’s not the case, you can unmatch yourself and try someone else.

If I hit my maximum number of sessions, can I stay on with my counsellor and pay as I go?

Yes, you can. You may also be able to submit your receipts for reimbursement as part of your GMS insurance plan. Contact us to find out your available benefits and provider eligibility.

I already have a counsellor. Can I see them through the GMS Care Network?

Absolutely, if your therapist or counsellor is already a provider or is associated with the GMS Care Network. If not, we’re happy to refer you to someone who is. We can also send you instructions for joining our network that you can share with your therapist or counsellor.