Group Medical Services (GMS)
Health Insurance

Benefits

BasicPlan

ExtendaPlan

OmniPlan

Health Practitioners

N/A

 Maximum of $250 (for all health practitioners combined), per person,

per policy year

Maximum of $300 per specialty, per person,

per policy year

Acupuncturist, chiropractor, chiropodist/podiatrist, clinical psychologist, massage therapist, naturopath, speech therapist and physiotherapist.

Ambulance

$2,000 / person / year

Unlimited

Unlimited 

100% emergency transport to hospital; 50% return of bedridden patients.

Air Ambulance

Unlimited 

Unlimited 

Unlimited 

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

Prescription drugs, which are not covered by your provincial prescription drug service plan.

Private Duty Nursing 

80% to $1,500 per person per year (in-hospital only)

80% to $3,000 per person per year

80% to $5,000 per person per year

Includes in-hospital and in-home care

Wheelchairs, Motorized Scooters & Adjustable Beds

Purchase or rental to a maximum of $500 / 5 years

Purchase or rental to a maximum of $750 / 5 years

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

80% of purchase or rental to a max. of $300 / 5 years

80% of purchase or rental to a max. of $300 / 5 years

Must be prescribed by a Physician.

Mobility Aids

N/A

$300 / policy / year

$300 / policy / year

Canes, reaching aids, raised toilet seats, grab bars, bathtub/toilet safety rails, and bathtub/transfer benches.

Diabetic Supplies & Equipment

N/A

$300/person/year

$300/person/year

Diabetic supplies and equipment, including insulin pumps and testing devices, when prescribed by a physician for personal use in the home. Does not cover insulin and other prescription drugs.

Ostomy Supplies

N/A

$300 / person / year

$300 / person / year

Oxygen 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.

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 Dental

$500 / injury

$2,000 / injury

$5,000 / injury

Services must be pre-approved no later than 6 months from the date of injury. 

Artificial Limbs, Eyes & Larynx

$5000 / person / year

$5000 / person / year

$5000 / person / year

Orthopedic Shoes

N/A

$225 / person / year

$225 / 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

Health Supplies & Equipment

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

$120 / 2 years

$90 / 2 years