Group Medical Services | Compare Health Plan Benefits

Compare Individual Health Plan Benefits

GMS Indivdual Health is available in the provinces of BC, AB, SK, MB, ON, NS, PE and NF.
Please select your province of residence for a full benefits comparison.

Benefits	OmniPlan^®	ExtendaPlan^®	BasicPlan	Notes
Goods & Services	Goods and services may be purchased anywhere in Canada.	Goods can be purchased anywhere in Canada. Services must be received in your province of residence.	Goods can be purchased anywhere in Canada. Services must be received in your province of residence.
Eye Exam	$75 / 2 most recent policy years	N/A	N/A
Eye Glasses, Contacts, or Laser Eye Surgery	$200 / 2 most recent policy years	N/A	N/A
Health Practitioners	Maximum $35 per visit to a maximum of $300 per specialty, per person, per policy year	Maximum $35 per visit to a maximum of $250 combined per person, per policy year	N/A	Acupuncture, chiropractic, chiropody/podiatry, clinical psychology, speech therapy, massage therapy, naturopath and physiotherapy treatments.
Hearing Aids	$800 / 5 years	$500 / 5 years	N/A	One year waiting period.
Health Supplies & Equipment	$500 / person / year	$500 / person / year	N/A	See policy wording for a complete list of eligible items. Requires a Physician's written prescription.
Diabetic Supplies & Equipment	$300 / person / year	$300 / person / year	N/A	Diabetic supplies and equipment, including testing devices when ordered in writing by a Physician. One year waiting period on testing devices.
Oxygen Supplies & Equipment	$500 / person / year to a lifetime maximum of $2,500	$500 / person / year to a lifetime maximum of $1,500	N/A	Does not cover the cost of oxygen. One year waiting period on CPAP supplies.
Blood Pressure Monitors	1 in a 5 year period	1 in a 5 year period	N/A	Require Physician's written order.
Custom Foot Orthotics	80% - 1 per 3 years per adult and 1 per year for children under 16	80% - 1 per 5 years per adult and 1 per year for children under 16	N/A
Therapeutic Shoes	$200 / person / year	$200 / person / year	N/A	Require a Physician's written prescription.
Mobility Aids	$300 / policy / year	$300 / policy / year	N/A	Canes, reaching aids, raised toilet seats, grab bars, bath safety rails and transfer benches when accompanied by a Physician's letter of necessity.
Ostomy Supplies & Equipment	$300 / person / year	$300 / person / year	N/A
Accidental Death	$4,000 for funeral expenses in the case of accidental death	N/A	N/A
Out-of-Province Referral	$50,000 / lifetime	$50,000 / lifetime	N/A	Requires prior written approval from GMS.
Ground Ambulance	Unlimited	Unlimited	$2,000 / person / year	100% emergency transport to hospital; 50% return of bedridden patients.
Air Ambulance	$8,000 / person / year	$5,000 / person / year	$3,000 / person / year	Transport within your province of residence.
Casts and Crutches	Unlimited	Unlimited	Unlimited	Fibreglass casts and the purchase or rental of crutches.
Preferred Hospital Rooms	45 days up to $3,500 / person / year	$1,000 / person / year	$500 / person / year	Private or semi-private hospital room costs
Private Duty Nursing	80% to $2,500 per person per year for in-hospital or in-home as palliative care nursing.	80% to $2,500 per person per year for in-hospital or in-home as palliative care nursing.	80% to $1,500 per person per year for in-hospital nursing.	In-home nursing is for palliative care only; must be prescribed by a Physician.
In-Hospital Prescription Drugs	$2,000 / person / year	$1,000 / person / year	$1,000 / person / year
Accidental Injury to Natural Teeth	$5,000 / injury	$2,000 / injury	$500 / injury	Services over $300 must be pre-approved.
Wheelchairs, Motorized Scooters & Adjustable Beds	100% of purchase or rental to a maximum of $1000 / 5 years	100% of purchase or rental to a maximum of $750 / 5 years	100% of purchase or rental to a maximum of $500 / 5 years	These benefits have a one year waiting period and require a Physician's written order.
Artificial Limbs, Eyes & Larynx	$5000 / person / year	$5000 / person / year	$5000 / person / year
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.
Breast Prosthesis	$325 / 2 yrs lateral $650 / 2 yrs bilateral	$325 / 2 yrs lateral $650 / 2 yrs bilateral	$175 / 2 yrs lateral $350 / 2 yrs bilateral	Excludes surgical brassieres.
Additional Coverage Options
Prescription Drugs	Coverage for prescription drugs listed under your provincial drug formulary (as detailed under your province's drug or pharmacare plan/program) up to $3,500 per person, per year. Pay only $4.00 for each eligible prescription. Use our convenient pay-direct card and reduce your out-of-pocket expenses. Prescriptions for pre-existing medical conditions are not eligible for coverage.
Prescription Drugs - Enhanced	Coverage for prescription drugs and oral contraceptives up to $5,000 per person, per year. Includes up to $500 coverage per person, per year for prescription medications for pre-existing medical conditions and legal prescriptions for medications not listed under your provincial drug formulary. Pay only $4.00 for each eligible prescription. Use our convenient pay-direct card.
Dental	1st yr - 75% to $500; basic services 2nd yr - 80% basic, 50% major to $750 3rd yr - 80% basic, 50% major to $1,000 A three month waiting period applies to all dental services. Services over $300 must be pre-approved by GMS.
Hospital Cash	$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	$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.
Medical Second Opinion	Receive a Medical Second Opinion from a specialist at a world-renowned medical centre if you or a family member are diagnosed with a serious illness. Covers you, your spouse, your children, your parents and your parents-in-law. One Medical Second Opinion per covered condition, per person per policy year. Click here for a list of covered conditions and medical centres.

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