GMS Replacement Health Coverage

About GMS Replacement Health Plans

• EssentialPlan
  Covers the essentials that aren’t part of a government health plan and allows you to keep living a healthy lifestyle. Benefits include eye exams and glasses, chiropractor, naturopath, massage treatments, and dental coverage. EssentialPlan also covers the added costs of an emergency, from ambulance, both ground and air, to the cost of medical equipment such as crutches or wheelchairs. With this plan, you don’t have to worry about anything other than the important things during an emergency.
• ChoicePlan
  Covers all you need to live well. Benefits include prescription drugs, including ones for current health conditions, coverage for eyeglasses and contact lenses. ChoicePlan also provides benefit coverage for a wide variety of health needs, from dental coverage to emergency hospital stays, acupuncture and chiropractor, a generous benefit for preferred hospital rooms and private-duty nursing  plus, you get emergency medical travel coverage for an unlimited number of trips up to seven days outside of Canada and 183 days within Canada. The best part of this plan is the comfort in knowing you can keep your loved ones healthy and happy.
• PremierPlan
  Is called “Premier” for a reason. It provides the most complete coverage available from GMS and allows you to take care of your family even if your employment situation changes. It provides coverage for prescriptions drugs, including ones for current health conditions, dental coverage, and coverage for services such as massage and physiotherapy. You are covered for everyday and emergency medical needs and enjoy the highest benefit for eye exams and eye wear. Emergency medical travel coverage is included for trips up to 15 days outside of Canada and 183 days within Canada.

Why Purchase a Replacement Health Plan over a Personal Plan?

Both GMS Replacement Health and Personal Health products offer coverage for healthcare costs not covered by the government. They’ve got similar benefits, but Replacement Health plans are only for people losing coverage from a group benefits plan.

If you’re eligible for Replacement Health, GMS offers guaranteed acceptance with no medical questions asked. That means your premium won’t be affected by health conditions you might have developed while covered under your group benefits plan. GMS has packaged Replacement Health plans to provide coverage similar to most group benefit plans,  so you can maintain your wellbeing.

You can also apply for a medically underwritten GMS Personal Health plan if you’re leaving a group plan. These plans are designed to give you choice and flexibility when it comes to which benefits you’d like to include.  And if you have a pre-existing condition like high blood pressure, asthma or depression, a Personal Health Plan with the Enhanced Prescription Drugs Benefit option lets you use $800 of your yearly limit for non-formulary and special status drugs, as well as drugs to treat pre-existing conditions.