Our Replacement Health Plans offer pre-packaged, comprehensive coverage and guaranteed acceptance with no medical questions. It’s a great choice when you’re leaving a job and want to make a smooth transition to the next phase and chapter of your life.

As we continue to evolve our coverage to meet the changing needs of our customers, we want to support you in making proactive health and lifestyle choices to support living well.

That's why we’ve added the LifeWorks Total Wellbeing Program to our Replacement Health Plans – to provide a range of services and resources to support all aspects of your wellbeing. Lifeworks offers:

  • 24/7 access to consultations with expert advisors for coping strategies, referrals to counselling, and connections to community agencies.
  • The ability to connect with mental health professionals, wellbeing coaches and other specialists, such as financial and legal professionals.
  • Savings on everyday purchases with exclusive offers, cashback and discounts on hundreds of brands.
  • Convenient online access to a wealth of wellbeing resources and content.
  • Tools for positive health and lifestyle changes, including health assessments and challenges.

With mental health more important than ever these days, we’ve also introduced a new counselling benefit, which includes coverage for clinical psychologists, clinical counsellors, registered social workers and psychotherapists.

Other new and expanded benefits include:

  • mastectomy/surgical bras coverage
  • Expanded prescription drug coverage to include hormonal contraceptives
  • Expanded coverage for compression stockings by removing the $250 maximum
  • Extended eligibility period to purchase: Potential customers will have up to 90 days after losing group coverage to purchase a Replacement Health Plan, increased from 60 days. Feedback from our Sales Team and customers told us more time and flexibility to make a purchase decision is important. It also aligns with what a handful of other carriers are offering.

If you're interested in learning more or purchasing a Replacement Health plan, we're happy to help. Give us a call at 1.800.667.3699, email us at info@gms.ca, visit www.gms.ca or reach out to your broker to learn more about GMS Replacement Health coverage.