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Group Advantage Plan

Group healthcare designed with small business in mind.

For businesses with 3 to 10 employees, our Group Advantage Plan allows you to mix and match benefits, requires no medical questions and provides quick coverage.

Get a Group Quote

GMS Group Advantage® takes care of the whole crew.

Providing comprehensive and affordable health and dental coverage, this group health insurance plan is designed for businesses with 3 to 10 employees. Our off-the-shelf plan design makes the application process simple so you can get back to business with no major interruptions.  

We’ve also included an Employee Family Assistance Program (EFAP) providing wellness benefits to your employees giving them the holistic coverage they need. With a number of online resources, your employees can use EFAP to access support networks, life coaching and professional counselling services. Interested in adding life and disability insurance to your health and dental plan? We’d be happy to provide you with a quote.

Get a Group Quote today!

Make a plan that works best for you

You can choose one of three health plan options and if you’d like, one of three dental plan options. Select the combination that provides the best coverage for you and your employees.

Our group health insurance plans were created to make life easier.

  • Pharmacies, dentists as well as health and vision practitioners (ex. Massage Therapist, Chiropractor, Optometrist) can directly bill us for covered expenses, no need for your employees to submit a claim. See our Provider Locator to find health and vision service providers near you.
  • Your employees can send us their claim online and sign up for direct deposit, so they can get their money back faster.
  • Get discounts on eyewear at Factory Optical and Optiks International. Find out more >

Health Care Spending Account (HCSA)

An HCSA is a great way to introduce flexibility and choice to a group benefits plan. They allow you to expand the type of expenses your plan can cover while only charging you if the account gets used.

HCSAs provide non-taxable supplemental coverage to traditional health and dental plans. Employees can choose to use their HCSA to for things such as:

  • paying for deductibles and any amounts over and above a deductible such as co-pays or co-insurance;
  • covering additional expenses for a benefit if they've reached the benefit maximum; and
  • covering insurance premiums if they purchase their own health plan for extra coverage

The Canada Revenue Agency website has a full list of medical expenses that are non-taxable and would be covered under our HCSA. Some examples include prescription eyeglasses, prescription drugs and dental services.

How does it work?

As an employer, you choose the HCSA amount employees receive each year. The minimum amount you can offer is $250 per employee.  That amount can be increased by $50 increments to a maximum of $15,000 per employee. You can even have different amounts for different employee classes such as owners, managers (Class A), and all other staff (Class B).

Once the HSCA is set up, employees can submit claims for reimbursement just like they would for any other benefit. We’ll adjudicate the claim to make sure it’s eligible, reimburse the employee, and then invoice you directly for the cost of the claim plus a 10% administration fee. Taxes may apply and there’s a minimum annual administration fee of $100 per policy year.

Each year the HCSA amount will reset for your employees. And, if you want to adjust the amount you’re offering, you can change it when your plan renews.

GMS Group Advantage Health Plans

Silver

Gold

Platinum

Health Practitioners

$250 combined

$350 combined

$400 per specialist per year

Prescription Drug Coverage (coverage per person, per year)

70% of cost up to 1,000 Formulary & Non-Formulary Drugs Vaccines/Immunizations

80% of cost up to $3,000 Formulary & Non-Formulary Drugs Vaccines/Immunizations

100% of cost up to $6,000 Formulary & Non-Formulary Drugs Vaccines/Immunizations

Eye Exams, Glasses, Contact Lenses & Surgery

$60 per 2 years (eye exams only)

$150 per 2 years

$300 per 2 years

Assistance Program

Unlimited short-term services

Unlimited short-term services

Unlimited short-term services

Travel Coverage

90 days, unlimited number of trips, $5 million total coverage

$500,000 COVID-19 coverage within the policies annual maximum

90 days, unlimited number of trips, $5 million total coverage

$500,000 COVID-19 coverage within the policies annual maximum

90 days, unlimited number of trips, $5 million total coverage

$500,000 COVID-19 coverage within the policies annual maximum

Survivor Benefit

12 months

12 months

12 months

Diabetic Supplies & Equipment

$300

$300

$500

Oxygen Equipment

$500

$500

$500

Custom made Foot Orthotics

1 pair every 5 years for adults 1 pair every year for children under 16 years of age

1 pair every 5 years for adults 1 pair every year for children under 16 years of age

1 pair every 5 years for adults 1 pair every year for children under 16 years of age

Ostomy Supplies

$300

$300

$300

Ambulance

$1,500

Unlimited

Unlimited

Air Ambulance

Unlimited

Unlimited

Unlimited

Casts & Crutches

Unlimited

Unlimited

Unlimited

Preferred Hospital Rooms

Unlimited

Unlimited

Unlimited

Private Duty Nursing

$2,500

$2,500

$5,000

Accidental Injury to Natural Teeth

$2,000 per injury

$2,000 per injury

$2,000 per injury

Wheelchairs, Motorized Scooters & Adjustable Beds

$500 per policy per 5 years

$500 per policy per 5 years

$500 per policy per 5 years

Artificial Limbs, Eyes, & Larynx

$10,000 lifetime

$10,000 lifetime

$10,000 lifetime

Patient Walkers

$200 per policy per 3 years

$200 per policy per 3 years

$200 per policy per 3 years

Breast Prosthesis

1 if lateral / 2 if bilateral per 2 years

1 if lateral / 2 if bilateral per 2 years

1 if lateral / 2 if bilateral per 2 years

Health Supplies & Equipment

$500 combined

$500 combined

$500 combined

Pay-direct Card

Included

Included

Included

Out-of-Province Referral (within Canada)

Not included

$50,000 lifetime

$50,000 lifetime

Hearing Aids

Not included

$500 per 5 years

$500 per 3 years

Therapeutic Shoes

Not included

$200

$200

Blood Pressure Monitor

Not included
Not included

1 per policy per 5 years

See More

Coverage is per person. This is a summary of benefits only. 

GMS Group Advantage Dental Plans

Silver

Gold

Platinum

Preventative Services

80%

  • cleaning
  • polishing
  • topical fluoride treatment
  • and more

100%

  • cleaning
  • polishing
  • topical fluoride treatment
  • and more

100%

  • cleaning
  • polishing
  • topical fluoride treatment
  • and more

Basic Services

80%

  • exams and x-rays
  • root canals
  • denture repair
  • and more

100%

  • exams and x-rays
  • root canals
  • denture repair
  • and more

100%

  • exams and x-rays
  • root canals
  • denture repair
  • and more

Major Services

Not included

50%

  • bridges
  • crowns
  • full/partial dentures
  • inlay and onlays
  • and more

80%

  • bridges
  • crowns
  • full/partial dentures
  • inlay and onlays
  • and more

Orthodontic Services (for children under 18 years of age)

Not included
Not included

50% ($1,500 lifetime maximum)

Dental plans include employer choice of $500, $1,000, $1,500 or $2,000 combined coverage maximums for preventative, basic, and major services.

Coverage is per person. This is summary of benefits only.

GMS Group Advantage Plus Life & Disability Benefits

GMS Group Advantage Plus Life & Disability Benefits Benefit

Options

Life Insurance + AD&D

  • $10,000 of coverage
  • $25,000 of coverage
  • $50,000 of coverage
  • 1 x annual salary of coverage - Varies by salary

Dependant Life Insurance

  • $5,000 (spouse) / $2,500 (dependants) of coverage
  • $10,000 (spouse) / $5,000 (dependants) of coverage

Traditional Critical Illness

  • $10,000 of coverage
  • $25,000 of coverage | Available to groups of 6-10

High Severity Critical Illness

  • $10,000 of coverage
  • $25,000 of coverage | Available to groups of 6 - 10

Short-Term Disability

Varies by salary

Long-Term Disability

Varies by salary

Second Medical Opinion

Available

See More

GMS Group Advantage Plus Life & Disability options underwritten by Assumption Life.

Ready to get started?

One of our sales pros would be happy to get the ball rolling on your Group Advantage benefits plan. 

Get a Group Quote

Frequently Asked Questions

Getting a quote is quick and easy with our Group Advantage quote tool. We'll ask you a few questions to confirm your business is eligible and let you build a plan to see an estimated price. Click "request quote" to receive a copy by email and include your contact information if you'd like us to follow up to complete your application.

Our Group Advantage plans, available to groups with three to 10 employees, are designed for simple sign-up and consistent rates. We’ve pre-selected most of the benefits, but let you choose between three levels of health and dental coverage. You can also choose to add life and disability benefits to your plan. Travel coverage ends at 80 years of age and health coverage ends when the employee retires. Contact us to discuss your options.

They sure can. When your employees sign up for a My GMS account on gms.ca, they can submit and view processed claims and payments, sign up for Claim Direct Deposit, and view their Explanation of Benefits, any time they need to.

Have more questions?

We'll gladly answer them

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