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GMS Replacement Health Coverage

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GMS Replacement Health Coverage

Retiring? Starting your own business? Between jobs? Life is full of changes, and we want to make sure it’s smooth sailing when it comes to your health coverage. With a GMS Replacement Health plan, it’s easy to move from your employer benefits plan to your own individual plan. GMS Replacement Health plans help you maintain your lifestyle, covering the health costs your provincial plan doesn’t.

With a GMS Replacement Health plan, acceptance is guaranteed and there are no medical questions as long as your plan begins within 60 days of losing employer sponsored coverage. Plus, you can check to see if your existing prescriptions will be covered before you buy.

GMS Replacement Health Plans Support You on Your New Adventure

GMS Replacement Health Plans are bundled to include coverage for

  • Prescription drugs, including ones for current health conditions
  • Eyeglasses and contact lenses
  • Accidental dental
  • Private duty nursing
  • Preferred hospital room
  • Custom orthotics and orthopedic shoes
  • Wheelchairs, scooters and adjustable beds
  • Chiropractor, naturopath and massage treatments
  • Dental care
  • Emergency medical travel coverage
  • Plus much more!

Guaranteed Acceptance So You Don’t Have To Worry

Life is full of exciting changes, and GMS wants to make sure you can enjoy them. If you’re leaving a group benefits plan, GMS is happy to offer you guaranteed acceptance for Replacement Health coverage. GMS won’t even bother you with pesky medical questions — all you have to do is apply and they’ll get you started!

And GMS does its best to make your life easy.

Pharmacies, dentists, and health and vision practitioners, such as massage therapists, chiropractors, optometrists can bill GMS directly for covered expenses, so there is no need for you to submit a claim yourself. For other covered expenses,  send your claim online and sign up for direct deposit- you get your money back faster.

Search the GMS Prescription Drug Lookup Tool to find out which drugs are covered under your plan.

Which GMS Replacement Health Plan is right for you? Read more about the EssentialPlan, ChoicePlan, PremierPlan below. Then click on the Rates button and choose the one that best suits your needs and budget.

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.

clients' testimonials

You have made my day! I don’t think I have ever received such good service from any company before. Thank you so much for sending those reports to me. I plan to submit the info to the government and maybe get a little refund. Every penny counts.

Judy S

Just a quick note to say “thanks” for your help this morning. It certainly is nice to deal with such a professional company. You were super!!!!

Wisson

Thank you Kasia for your diligence in notifying me upon approval of my application. I will as stated, out of courtesy, notify Great West Life, that I will not be proceeding with the application with them. I am pleased, as Green Shield was my first choice.

Susan

Whether it’s travel insurance, individual health and dental insurance plans, or any of the other products in their portfolio, I know that I can vest my trust and confidence in SBIS, because our clients will be well served and protected. SBIS has been and continues to be, a great partner to work with.

Don M

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Get in Touch!

    We’re here to help

    If you have any questions, would like more information or need assistance selecting a plan, please do not hesitate to call us.

    Business hours

    Monday to Friday 8:45 a.m. – 4:45 p.m. Eastern Time

    Head Office:
    Special Benefits Insurance Services
    366 Bay St, 7th Floor, Toronto, ON, M5H 4B2

    North East Branch:
    Special Benefits Insurance Services
    3091 Chandler Dr, Port Perry, ON, L9L 1B6