Affordable
Affordable coverage for unexpected emergencies - essential benefits not covered by the government.

Peace of Mind
Don't spend your time thinking about how to pay for medical care.  Spend it with your family, your friends and in activities you enjoy.  Let us take care of the bills.

GMS Gets the Bill
Present your GMS Card.  Many health care providers bill GMS directly so no extra money comes out of your pocket.

Tax Advantages
Your premiums for BasicPlan and other GMS plans and options are eligible medical expenses under the Canadian Federal Income Tax Act.

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Within your Province of Residence

Ambulance

• Covers 100% of emergency transport
• Covers 50% of trip home for those who are bedridden
• Up to $2,000 per person

Air Ambulance

• Up to $3,000 emergency transport within your province of residence

Preferred Hospital Room

• Up to $500 per person for private or semi-private rooms

Private Duty Nursing

• Covers 80% of in-hospital care
• Up to $1,500 per person

In-Hospital Prescription Drugs

• Up to $1,000 per person

Motorized Scooters, Wheelchairs & Adjustable Beds

• Covers purchase or rental for home use
• Up to $500 every five years per policy

Walkers

• Covers 80% of purchase or rental for home use
• Up to $300 every five years per policy

Casts & Crutches

• Unlimited fiberglass casts and purchase or rental of crutches

Accidental Injury to Natural Teeth

• Up to $500 per injury

Breast Prosthesis

• Up to $175 (single) or $350 (bilateral) every two policy years

Artificial Limbs, Eyes & Larynx

• Up to $5,000 per person

 

OPTIONS:

With the purchase of a health plan you may purchase any of the following options:

PERSCRIPTION DRUGS

• $3,500 per person for formulary drugs. You pay only $4 for each eligible prescription.
• Use your GMS prescription drug card and the pharmacy bills Group Medical Services directly.
• Current medications are not eligible for coverage. 

PERSCRIPTION DRUGS-ENHANCED

• Payment to an overall maximum of $5,000 for formulary drugs, including $500 for pre-existing medications oral contraceptives. You pay only $4 for each eligible prescription.
• Use your GMS prescription drug card and the pharmacy bills Group Medical Services directly.

*Coverage excludes fertility drugs, drugs intended to treat sexual dysfunction, lifestyle drugs, diet drugs, drugs for cosmetic purposes, over-the-counter drugs, drugs used to stop smoking, experimental drugs and non-formulary drugs.

DENTAL CARE

• 1st year - 75% Basic services to a maximum of $500 per person
• 2nd year - 80% Basic services/50% Major services to a maximum of $750 per person
• 3rd year and up - 80% Basic services/50% Major services to a maximum of $1,000 per person
• Basic services include oral exam, scaling, polishing, fillings, uncomplicated extractions, endodontics, periodontics, oral surgery and repairs to dental appliances.
• Major services include crowns, bridges, dentures and gold inlays and onlays.

HOSPITAL CASH

• GMS will pay $100 per day for up to 30 consecutive days if you are hospitalized.  Coverage commences on the 4th day of hospitalization for an accident or illness or on the 7th day of a maternity stay.
• This cash can be used for your own expenses, such as food, parking, televisions, etc.  If you prefer, you can even take this money and bank it - the choice is yours.

TRAVEL

• Choose from 15, 30 or 48 days per trip.
• Comprehensive emergency medical coverage while travelling.  Take as many trips as you like.
• Coverage includes payment up to $1 million for the following expenses:
  • Hospitalization and hospital services
  • Physicians and surgeons
  • Diagnostic Services
  • Out-patient Treatment
  • Prescription Drugs - 30 days
  • Private Duty Nursing - $5,000
  • Road and Air Ambulance
  • Special Attendant if returned to Canada by air
  • Return of Family Member - $1,000
  • Paramedical Services - $300
  • Accidental Dental - $2,000 for accidents and $500 for dental pain
  • Return of Remains - $3,000
  • Family to Bedside - $3,000 for airfare and $750 for out-of-pocket expenses
  • Family Transportation - airfare, meals and accommodations up to $2,000 
  • Return of Vehicle - $2,000
  • Return of Cat or Dog - $300
  • Child Care - $500 
  • Escort of Insured Child - one way economy airfare
  • Coverage Continuation - 72 hours
  • Out-of-pocket Expenses - $1,000
  • 24 hour Travel Assistance Services
• Coverage is for medical emergencies
• If you have received medical treatment or experienced symptoms within 90 or 180 days before your trip, certain exclusions may apply.

Please read the policy wording and understand it before you travel.

IMPORTANT:  Not available to persons age 80 and over.  You may apply for Group Medical Services TravelStar® daily trip plan.

This is a summary of the benefits. Please refer to the policy document for full details.