Health&Dental Insurance from Group Medical Services

Extended Health (Basic benefits)
Benefits	BasicPlan	ExtendaPlan	OmniPlan	Notes
Health Practitioners	N/A	Max $35 per visit to maximum of $250 per person per year	Max $35 per visit to maximum $300 per specialty per person per year	Acupuncture, chiropractic, chiropody/podiatry, clinical psychology, massage therapy, naturopath and physiotherapy treatments.
Ambulance	$2,000 / person / year	Unlimited	Unlimited	100% emergency transport to hospital; 50% return of bedridden patients.
Air Ambulance	$3,000 / person / year	$5,000 / person / year	$8,000 / person / year	Transport within your province of residence.
Preferred Hospital Rooms	$500 / person / year	$1,000 / person / year	45 days up to $3,500 / person / year	Private or semi-private hospital room costs
Cast and Crutches	Unlimited	Unlimited	Unlimited	Fibreglass casts and the purchase or rental of crutches.
In-Hospital Prescription Drugs	$1,000 / person / year	$1,000 / person / year	$2,000 / person / year	In-home nursing is for palliative care only; must be prescribed by a Physician.
Private Duty Nursing	80% to $1,500 per person per year for in-hospital nursing.	80% to $2,500 per person per year for in-hospital nursing.	80% to $2,500 per person per year for in-hospital nursing.
Wheelchairs, Motorized Scooters & Adjustable Beds	100% of purchase or rental to a maximum of $500 / 5 years	100% of purchase or rental to a maximum of $750 / 5 years	100% of purchase or rental to a maximum of $1000 / 5 years	These benefits have a one year waiting period and require a Physician's written order.
Patient Walker	80% of purchase or rental to a max. of $300 / 5 years / policy	80% of purchase or rental to a max. of $300 / 5 years / policy	80% of purchase or rental to a max. of $300 / 5 years / policy	This benefit has a one year waiting period, and requires a Physician's written order.
Mobility Aids	N/A	$300 / policy / year	$300 / policy / year	Canes, reaching aids, raised toilet seats, grab bars, bath safety rails and transfer benches when accompanied by a Physician's letter of necessity.
Diabetic Supplies & Equipment	N/A	$300/person/year	$300/person/year	Diabetic supplies and equipment, including testing devices when ordered in writing by a Physician. One year waiting period on testing devices.
Ostomy Supplies	N/A	$300 / person / year	$300 / person / year
Oxygen Supplies & Equipment	N/A	$500 / person / year to a lifetime maximum of $1,500	$500 / person / year to a lifetime maximum of $2,500	Does not cover the cost of oxygen. One year waiting period on CPAP supplies.
Blood Pressure Monitors	N/A	1 in a 5 year period	1 in a 5 year period	Require Physician's written order.
Hearing Aids	N/A	$500 / 5 years	$800 / 5 years	One year waiting period.
Breast Prosthesis	$175 / 2 yrs lateral $350 / 2 yrs bilateral	$325 / 2 yrs lateral $650 / 2 yrs bilateral	$325 / 2 yrs lateral $650 / 2 yrs bilateral	Excludes surgical brassieres.
Accidental Injury to Natural Teeth	$500 / injury	$2,000 / injury	$5,000 / injury	Services over $300 must be pre-approved.
Artificial Limbs, Eyes & Larynx	$5000 / person / year	$5000 / person / year	$5000 / person / year
Therapeutic Shoes	N/A	$200 / person / year	$200 / person / year	Require a Physician's written prescription.
Out of Province Referral	N/A	$50,000 / lifetime	$50,000 / lifetime	Requires prior written approval from GMS.
Custom Foot Orthotics	N/A	80% - 1 per 5 years per adult and 1 per year for children under 16	80% - 1 per 3 years per adult and 1 per year for children under 16
Other Health Benefits	N/A	$500 / person / year	$500 / person / year	See policy wording for a complete list of eligible items. Requires a Physician's written prescription.
Funeral Expenses	N/A	N/A	$4,000 in the case of accidental death
Eye Exam	N/A	N/A	$75 / 2 years
Eye Glasses, Contacts, or Laser Eye Surgery	N/A	N/A	$200 / 2 years
Optional Benefits (can be purchased with any Extended Health plan)
Prescription Drugs (optional)	Up to $3,500 maximum. Pay only $4 per eligible prescription. Coverage for drugs on your provincial drug services formulary plan.			Current medications are excluded from coverage.
Prescription Drugs - Enhanced (optional)	Up to $5,000 maximum. Pay only $4 per eligible prescription. Coverage for prescription formulary, non-formulary and special status drugs.			Includes $500 coverage for medications associated with pre-existing conditions.
Dental (optional)	Diagnostic services, Preventive services, Basic Restorations Periodontal treatment, Endodontic treatment including root canal therapy, Basic Surgical Services, Standards Denture Services, Major Services 1st policy year - 75% of the charges for eligible Basic Dental Services, to a maximum of $500 per person per policy year. (Waiting period applies.) 2nd policy year - 80% of the charges for eligible Basic Dental Services and 50% of the charges for eligible Major Dental Services, to a combined maximum of $750 per person per policy year. 3rd policy year - 80% of the charges for eligible Basic Dental Services and 50% of the charges for eligible Major Dental Services, to a combined maximum of $1,000 per person per policy year.			A three month waiting period applies to all dental services. Services over $300 must be pre-approved by GMS.
Hospital Cash (optional)	$100 / day, up to 30 consecutive days. Begins on the 4th day of hospitalization and on the 7th day if hospitalization is due to maternity.			30 day waiting period.
Travel (optional)	$2 Million coverage 3 options: 15 days per trip 30 days per trip 48 days per trip			Subject to exclusions for pre-existing conditions. Refer to the policy wording for complete detail.