GMS Health Insurance

Coverage for glasses and contacts, drugs, dental, massage, travel and more!

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Coverage you need, service you can trust.

Flexible plans.

No waiting periods when switching from another provider.

Personalized service. We take time to understand your needs and suggest the right coverage for you and your family.

Quick claims payment when you submit your claims online.

Health plan options.

Personal Health Coverage

Manage the costs of everyday and emergency medical needs, no matter what stage of life you’re in. These plans are medically underwritten and offer flexibility to choose some of your benefits. So you’ll get a plan that’s built and priced just for you.

OmniPlan

Your superior health insurance plan with extensive benefits including:

  • Acupuncture, massage, chiropractor, physiotherapist and naturopath appointments and more
  • Counselling services
  • Glasses, contacts and laser eye surgery
  • Health supplies and equipment

OmniPlan

Extended Health Care

  • Vision Care: 1 eye exam / person / 2 years, 90% up to $250 / person / 2 years for eye wear (including laser eye surgery)
  • Health Practitioners: Acupuncturist, Chiropodist/Podiatrist, Naturopath, Dietitian, Osteopath, Massage Therapist, Physiotherapist/Athletic Therapist and Chiropractor ‒ 90% up to $300 per specialty / person / year
  • Counselling Services: Psychologist/Psychotherapist/Registered Social Worker/Clinical Counsellor (combined) ‒ $65 / visit x 15 visits / person / year
  • Speech Pathologist/Therapist (combined): $45 / visit x 10 visits / person / year
  • Ambulance (ground or air): unlimited (50% of the cost of road ambulance transport returning you to your place of permanent residence if you’re bedridden upon discharge from hospital)
  • Hearing Aids: $800 every 5 years
  • Health Supplies & Equipment: (e.g. aero chambers, splints, air casts, cervical collars, wigs, embolic stockings, compression sleeves) ‒ $500 / person / year
  • Diabetic Supplies & Equipment: (e.g. insulin pumps and testing devices) ‒ $300 / person / year
  • Oxygen Equipment: (purchase or rental of oxygen or CPAP equipment) ‒ $500 / person / year, to lifetime maximum of $2,500 / person
  • Blood Pressure Monitors: 1 / policy / 5 years
  • Custom Made Foot Orthotics: 80% of 1 pair / person / 3 years for adults and 1 pair / person / year for children under the age of 16
  • Orthopedic Shoes: $225 / person / year
  • Mobility Aids: (e.g. canes and bathtub/transfer benches) ‒ $300 / person / year
  • Ostomy Supplies: (e.g. pouches, skin barriers, deodorant, adhesive, connector kit, gauze) ‒ $300 / person / year
  • Casts & Crutches: (fiberglass casts and rental or purchase of crutches) ‒ unlimited
  • Private Duty Nursing: (in-hospital and in-home care) ‒ 80% to $5,000 / person / year
  • Wheelchairs, Motorized Scooters & Hospital Beds: $1,000 / person / 5 years
  • Prosthetic Appliances: (e.g. breast prothesis, surgical bras, artificial eyes, etc.)
  • Patient Walkers: (purchase or rental) - 80% to $300 / person / 5 years
  • Accidental Dental: $5,000 / injury
  • Hospital Rooms: (semi-private or private hospital rooms) ‒ 45 days or up to $3,500 / person / year
  • Lifeworks Assistance and Wellness

Notice
This is a summary of benefits only. Actual terms and conditions are detailed in policy issuance upon final application approval and payment. Conditions, limitations and exclusions apply.
Group Medical Services is the operating name for GMS Insurance Inc. in provinces outside of Saskatchewan. Products not offered in Quebec, New Brunswick and Nunavut.
ExtendaPlan

This plan covers a wide range of everyday and emergency needs. Benefits include:

  • Acupuncture, massage, chiropractor, physiotherapist and naturopath appointments and more
  • Counselling services
  • Glasses, contacts and laser eye surgery
  • Health supplies and equipment

ExtendaPlan

Extended Health Care

  • Vision Care: 80% up to $250 / person / 2 years for eye exams and eye wear (includes laser eye surgery)
  • Health Practitioners: Acupuncturist, Chiropodist/Podiatrist, Naturopath, Dietitian, Osteopath, Massage Therapist, Physiotherapist/Athletic Therapist and Chiropractor ‒ 80% up to $350 combined / person / year
  • Counselling Services: Psychologist/Psychotherapist/Registered Social Worker (combined) ‒ $65 / visit x 10 visits / person / year
  • Speech Pathologist/Therapist (combined): $45 / visit x 10 visits / person / year
  • Ambulance (ground or air): unlimited (50% of the cost of road ambulance transport returning you to your place of permanent residence if you’re bedridden upon discharge from hospital)
  • Hearing Aids: $500 every 5 years
  • Health Supplies & Equipment (e.g. aero chambers, splints, air casts, cervical collars, wigs, embolic stockings, compression sleeves): $500 / person / year
  • Diabetic Supplies & Equipment (e.g. insulin pumps and testing devices):  $300 / person / year
  • Oxygen Equipment (purchase or rental of oxygen or CPAP equipment): $500 / person / year - to lifetime maximum of $1,500 / person
  • Blood Pressure Monitors: 1 / policy / 5 years
  • Custom Made Foot Orthotics: 80% of 1 pair / person / 5 years for adults and 1 pair / person / year for children under the age of 16
  • Orthopedic Shoes: $225 / person / year
  • Mobility Aids: (e.g. canes and bathtub/transfer benches) $300 / person / year)
  • Ostomy Supplies (e.g. pouches, skin barriers, deodorant, adhesive, connector kit, gauze): $300 / person / year
  • Casts & Crutches (fiberglass casts and rental or purchase of crutches) ‒ unlimited
  • Private Duty Nursing (in-hospital and in-home care): 80% to $3,000 / person / year
  • Wheelchairs, Motorized Scooters & Hospital Beds: $750 / person / 5 years
  • Prosthetic Appliances (e.g. breast prothesis, surgical bras, artificial eyes, etc.)
  • Patient Walkers (purchase or rental): 80% to $300 / person / 5 years
  • Accidental Dental: $2,000 / injury
  • Hospital Rooms (semi-private or private hospital rooms): $1,000 / person / year
  • Lifeworks Assistance and Wellness

Notice
This is a summary of benefits only. Actual terms and conditions are detailed in policy issuance upon final application approval and payment. Conditions, limitations and exclusions apply.
Group Medical Services is the operating name for GMS Insurance Inc. in provinces outside of Saskatchewan. Products not offered in Quebec, New Brunswick and Nunavut.
BasicPlan

Ideal coverage for unexpected emergencies and health needs. Benefits include:

  • Osteopath, dietician, naturopath
  • Preferred hospital rooms
  • Ambulance services

BasicPlan

Extended Health Care

  • Ambulance: $2,000 / person / year - (50% of the cost of road ambulance transport returning you to your place of permanent residence if you’re bedridden upon discharge from hospital)
  • Air Ambulance (within your province of residence): unlimited
  • Casts & Crutches (fiberglass casts and rental or purchase of crutches): unlimited
  • Private Duty Nursing (in-hospital only): 80% to $1,500 / person / year
  • Wheelchairs, Motorized Scooters & Hospital Beds: $500 / person / 5 years
  • Prosthetic Appliances (e.g. breast prothesis, surgical bras, artificial eyes, etc.)
  • Patient Walkers (purchase or rental): 80% to $300 / person / 5 years
  • Accidental Dental: $500 / injury
  • Hospital Rooms (semi-private or private hospital rooms): $500 / person / year
  • Health Practitioners: Acupuncturist, Chiropodist/Podiatrist, Naturopath, Dietitian, Osteopath ‒ 70% with combined maximum of $250
  • Speech Pathologist/Therapist (combined): $45 / visit x 5 visits
  • Lifeworks Assistance and Wellness

Notice
This is a summary of benefits only. Actual terms and conditions are detailed in policy issuance upon final application approval and payment. Conditions, limitations and exclusions apply.
Group Medical Services is the operating name for GMS Insurance Inc. in provinces outside of Saskatchewan. Products not offered in Quebec, New Brunswick and Nunavut.
LifeWorks

Today, more than ever, it's important to take care of your total wellbeing. Making proactive health and lifestyle choices is important when it comes to living well. That's why we're proud to offer LifeWorks as part of all Personal Health plans.

Additional Coverage Options

Looking for more benefits? Once you choose a base plan, personalize it by adding any of these options: 

Basic Prescription Drugs

$3,500 / person / year for drugs (including hormonal contraceptives) listed on your provincial formulary†. Covers conditions that are newly-diagnosed after your plan is in effect. Drugs used to treat pre-existing conditions are not covered. 
† Formularies vary by province and territory.  

Enhanced Prescription Drugs

$5,000 / person / year for drugs (including hormonal contraceptives) listed on your provincial formulary†. Covers conditions that are newly-diagnosed after your plan is in effect. Includes up to $800 to cover drugs associated with pre-existing conditions and drugs that are not on your provincial formulary. 
† Formularies vary by province and territory.  

Dental Care

Covers basic services like exams, cleanings, extractions and fillings, and major services like crowns, bridges, and dentures.

  • Year 1 – $500 / person / year (75% for basic services only)
  • Year 2 – $750 / person / year (80% for basic, 50% for major)
  • Year 3 – $1,000 / person / year (80% for basic, 50% for major)

A 3-month waiting period applies unless you’re switching from a plan with similar dental coverage.

Hospital Cash

$100 / day up to $3,000 / year for out-of-pocket expenses during an extended hospital stay including food, parking, WIFI, daycare, taxis and TV.

Annual Travel

Travel Emergency Medical coverage that insures you for multiple trips within Canada and outside our borders during the year.  
In Saskatchewan Annual Travel coverage is included in our ExtendaPlan and OmniPlan. 
For all other provinces, Annual Travel is an option that can be added to a BasicPlan, ExtendaPlan or OmniPlan. The travel option includes $2 million in coverage and your choice between an unlimited number of trips up to 15, 30 or 48 days per year. 
Applicants 80 years of age or older are only eligible for travel coverage in Canada. 

Replacement Health Coverage

These plans are available when you’re leaving your employer’s benefits plan and help you maintain your lifestyle while you focus on your next adventure. We offer guaranteed acceptance with no medical questions, as long as your plan begins within 90 days of the end date of your group plan.

PremierPlan

The best plan to cover your current and future health care needs. Benefits include:

  • Prescription drugs, including ones you’re already taking
  • Dental
  • Glasses, contacts and laser eye surgery
  • Emergency medical travel coverage

PremierPlan

Extended Health Care

  • Prescription Drugs: up to 80% to $2,500 / person / year
  • Dental Care: 80% preventative and basic, 50% major, $1,500 combined maximum
  • Health Practitioners: Acupuncturist, Chiropractor, Chiropodist / Podiatrist, Massage Therapist, Naturopath, Speech Therapist, Physiotherapist ‒ 100% to $600 / person / year
  • Counselling Services: Psychologist/Psychotherapist/Registered Social Worker/Clinical Counsellor (combined) ‒ $65 / visit x 10 visits / person / year
  • Accidental Dental: $2,000 / injury
  • Private Duty Nursing (in-hospital and in-home care) ‒ 80% to $5,000 / person / year
  • Hospital Rooms (semi-private or private hospital rooms) ‒ 80% to $10,000 / person / year
  • Orthopedic Shoes & Custom-Made Foot Orthotics: $300 combined / person / year
  • Vision Care (eye wear and eye exams): $300 / 2 years (includes laser eye surgery)
  • Hearing Aids: $800 every 5 years
  • Ambulance (ground or air): unlimited (50% of the cost of road ambulance transport returning you to your place of permanent residence if you’re bedridden upon discharge from hospital)
  • Medical Equipment & Supplies: $3,000 combined / year (including, but not limited to: ostomy supplies, oxygen equipment, wigs, diabetic supplies, compression stockings, surgical bras, blood pressure monitors, mobility aids, walkers, etc.), $2,500 lifetime limit on sleep apnea machine
  • Wheelchairs, Motorized Scooters & Hospital Beds: 80% to $10,000 combined lifetime maximum
  • Artificial Limbs: $10,000 combined lifetime maximum
  • Breast Prosthesis: $325 single / 2 years, $650 bi-lateral / 2 years
  • Annual Travel (emergency medical coverage while travelling): 15 days out of Canada, 183 days within Canada, 90-day stability for ages 69 and under, 180-day stability for ages 70+, $1 million lifetime maximum. Individuals ages 80+ are covered for travel within Canada only.
  • Lifeworks Assistance and Wellness

Notice
This is a summary of benefits only. Actual terms and conditions are detailed in policy issuance upon final application approval and payment. Conditions, limitations and exclusions apply.
Group Medical Services is the operating name for GMS Insurance Inc. in provinces outside of Saskatchewan. Products not offered in Quebec, New Brunswick and Nunavut.
ChoicePlan

This plan covers all you need to live well. Benefits include:

  • Prescription drugs, including ones you’re already taking
  • Dental
  • Glasses, contacts and laser eye surgery
  • Emergency medical travel coverage

ChoicePlan

Extended Health Care

  • Prescription Drugs: up to 80% to $1,250 / person / year
  • Dental Care: 80% preventative & basic, 50% major, $1,250 combined maximum
  • Health Practitioners: Acupuncturist, Chiropractor, Chiropodist / Podiatrist, Massage Therapist, Naturopath, Speech Therapist, Physiotherapist ‒ 80% to $600 maximum / person / year
  • Counselling Services: Psychologist/Psychotherapist/Registered Social Worker/Clinical Counsellor (combined) ‒ $65 / visit x 10 visits / person / year
  • Accidental Dental: $2,000 / injury
  • Private Duty Nursing (in-hospital and in-home care): 80% to $3,000 / person / year
  • Hospital Rooms (semi or private accommodations): 80% to $5,000 combined maximum / person / year
  • Orthopedic Shoes & Custom-Made Foot Orthotics: $300 combined maximum / person / year
  • Vision Care (eye wear and eye exams): $150 / 2 years combined (includes laser eye surgery)
  • Hearing Aids: $500 every 5 years
  • Ambulance (ground or air): unlimited (50% of the cost of road ambulance transport returning you to your place of permanent residence if you’re bedridden upon discharge from hospital)
  • Medical Equipment & Supplies: $3,000 combined maximum / policy year (including, but not limited to: ostomy supplies, oxygen equipment, wigs, diabetic supplies, compression stockings, surgical bras, blood pressure monitors, mobility aids, walkers, etc.), $2,500 lifetime limit on sleep apnea machine
  • Wheelchairs, Motorized Scooters & Hospital Beds: 80% to $10,000 combined lifetime maximum
  • Artificial Limbs: $10,000 combined lifetime maximum
  • Breast Prosthesis: $325 single / 2 years, $650 bi-lateral / 2 years
  • Annual Travel (emergency medical coverage while travelling): 7 days out of Canada, 183 days within Canada, 90-day stability for ages 69 and under, 180-day stability for ages 70+, $1 million lifetime maximum. Individuals ages 80+ are covered for travel within Canada only.
  • Lifeworks Assistance and Wellness

Notice
This is a summary of benefits only. Actual terms and conditions are detailed in policy issuance upon final application approval and payment. Conditions, limitations and exclusions apply.
Group Medical Services is the operating name for GMS Insurance Inc. in provinces outside of Saskatchewan. Products not offered in Quebec, New Brunswick and Nunavut.
EssentialPlan

Coverage for the essentials that aren’t part of your provincial health plan. Benefits include:

  • Eye exams and glasses
  • Chiro, naturopath and massage treatments
  • Dental

EssentialPlan

Extended Health Care

  • Dental Care: 80% preventative and basic, 50% major, $1,000 combined maximum
  • Health Practitioners: Acupuncturist, Chiropractor, Chiropodist / Podiatrist, Massage Therapist, Naturopath, Speech Therapist, Physiotherapist ‒ 50% to $600 / person / year
  • Counselling Services: Psychologist/Psychotherapist/Registered Social Worker/Clinical Counsellor (combined) ‒ $65 / visit x 5 visits / person / year
  • Accidental Dental: $2,000 / injury
  • Private Duty Nursing (in-hospital and in-home care): 80% to $1,000 / person / year
  • Hospital Rooms (semi-private or private hospital rooms): 80% to $2,000 combined / person / year
  • Orthopedic Shoes & Custom-Made Foot Orthotics: $300 combined maximum / person / year
  • Vision Care (eye wear and eye exams): $100 / 2 years combined (includes laser eye surgery)
  • Hearing Aids: $500 every 5 years
  • Ambulance (ground or air): unlimited (50% of the cost of road ambulance transport returning you to your place of permanent residence if you’re bedridden upon discharge from hospital)
  • Medical Equipment & Supplies: $3,000 combined / year (including, but not limited to: ostomy supplies, oxygen equipment, wigs, diabetic supplies, compression stockings, surgical bras, blood pressure monitors, mobility aids, walkers, etc.), $2,500 lifetime limit on sleep apnea machine
  • Wheelchairs, Motorized Scooters & Hospital Beds: 80% to $10,000 combined lifetime maximum
  • Artificial Limbs: $10,000 combined lifetime maximum
  • Breast Prosthesis: $325 single / 2 years, $650 bi-lateral / 2 years
  • Hospital (semi-private or private hospital rooms): 80% to $2,000 / person / year
  • Lifeworks Assistance and Wellness

Notice
This is a summary of benefits only. Actual terms and conditions are detailed in policy issuance upon final application approval and payment. Conditions, limitations and exclusions apply.
Group Medical Services is the operating name for GMS Insurance Inc. in provinces outside of Saskatchewan. Products not offered in Quebec, New Brunswick and Nunavut.
LifeWorks

Today, more than ever, it's important to take care of your total wellbeing. Making proactive health and lifestyle choices is important when it comes to living well. That's why we're proud to offer LifeWorks as part of all Replacement Health plans.

Get covered.

Health, Dental, Drug and Travel coverage for the whole family

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Call us at 1.855.321.9998

Copyright © 2023 Group Medical Services. All Rights Reserved. Group Medical Services is the operating name for GMS Insurance Inc. in provinces outside of Saskatchewan. Products not offered in Quebec, New Brunswick and Nunavut.