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My Health Insurance
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My Health coverage is easy, flexible, and easy to understand.
You can choose a plan that fits your everyday needs, with health, drug, dental, and Travel Emergency Medical coverage all in one place, plus 24/7 access to virtual care with GMS Care Network. If you need more coverage, you can customize your plan with optional add-ons and higher benefit limits, including orthodontics.
At GMS, we focus on making your experience smooth and straightforward, so you can feel confident in your coverage and supported when it matters most.
Popular My Health Plans
Popular with individuals
Health, Drug & Dental - Tier 1 Coverage
My Health lets you bundle all the benefits you need. From dental and prescriptions to mental health support and emergency travel, and adjust your coverage as life changes.
A common choice for couples
Health, Drug & Dental-Tier 2 Coverage
More of what you need for two. Enhanced drug and dental benefits and broader everyday protection.
Often chosen by families
Health & Drug -Tier 3 Coverage and Tier 2 Coverage - Dental
Comprehensive coverage for families. Enhanced dental and more of what a growing family needs.
View My Health Coverage
| Tier 1 | Tier 2 | Tier 3 | Limitations, Exceptions, and Other Information | |
|---|---|---|---|---|
| Vision Care | ||||
| Eye Exams | 1 eye exam | 1 eye exam | 1 eye exam | Per 2 years No coinsurance |
| Prescription Eyewear
glasses, sunglasses, contact lenses, refractive laser eye surgery
| Not included | $150 | $250 | Per 2 years No coinsurance |
| Paramedical and Mental Health Practitioners | ||||
| Health Practitioners
acupuncture, massage therapy, chiropractic, physiotherapy/athletic therapist, naturopath, speech therapist, chiropody/podiatry, dietician, osteopath
| $250 per year combined maximum | $350 per practitioner maximum | $500 per practitioner maximum | Per year No coinsurance |
| Mental Health Practitioners
Psychologist, social worker, psychotherapist, clinical counsellor
| $500 per year combined maximum | $1,000 per year combined maximum | $1,500 per year combined maximum | Per year No coinsurance $100 maximum per visit |
| Medical Equipment and Supplies | ||||
| Medical Equipment and Supplies | $1,500 combined maximum | $3,000 combined maximum | $5,000 combined maximum | Per year |
| Private Duty Nursing | $1,500 | $3,000 | $5,000 | Per year |
| Orthopedic Shoes | $50 | $150 | $250 | Per year |
| Medical Supplies and Mobility Aids | $150 | $300 | $500 | Per year |
| Braces and Splints | 1 per limb | 1 per limb | 1 per limb | Per year |
| Compression Stockings | 1 | 2 | 4 | Per year |
| Oxygen Equipment and CPAP Supplies | $200 | $350 | $500 | Per year |
| CPAP Machine | $500 | $1,500 | $2,500 | Lifetime Maximum |
| Ostomy Supplies | $300 | $500 | $1,000 | Per year |
| Breast Prostheses and Surgical Bras | Not included | 2 breast prosthesis 1 surgical bra | 2 breast prosthesis 2 surgical bra | Per 2 years |
| Custom Made Foot Orthotics | 1 pair | 1 pair | 1 pair | Per 3 years |
| Blood Pressure Monitors | Not included | 1 | 1 | Per 5 years |
| Hearing Aids | $200 | $500 | $800 | Per 5 years |
| Patient Walkers | $100 | $200 | $300 | Per 5 years |
| Wheelchairs, Motorized Scooters and Hospital Beds | $1,500 | $3,000 | $5,000 | Lifetime Maximum |
| Prosthetic Appliances | $1,500 | $3,000 | $5,000 | Lifetime Maximum |
| Flash Glucose Monitors (FGM)/Continuous Glucose Monitors (CGM) | $500 | $1,500 | $2,500 | Per year |
| Diabetic Supplies and Equipment | $100 | $300 | $500 | Per year |
| Blood Glucose Monitor | 1 (included in $100 Diabetic Supplies maximum) | 1 (included in $300 Diabetic Supplies maximum) | 1 (included in $500 Diabetic Supplies maximum) | Per 5 years |
| Emergency Support | ||||
| Air Ambulance | Unlimited | Unlimited | Unlimited | Unlimited |
| Road Ambulance | $1,000 | $1,500 | $2,000 | Per year |
| Hospital Semi-Private Room | 15 days $1,000 | 30 days $2,000 | 45 days $3,500 | Per year |
| Accidental Injury to Natural Teeth | $2,000 | $5,000 | $10,000 | Per injury |
| Emergency Medical Travel | ||||
| Out of Country | 8 days | 30 days | 63 days | |
| In Canada | 183 days | 183 days | 183 days | |
| Overall Maximum | $2M | $2M | $2M | |
| GMS Care Network | ||||
| Telemedicine | Unlimited | |||
| Kids and Adult Individual Counselling
Once your covered hours are used up, you can choose to continue accessing sessions at an additional cost. You may be able to get this reimbursed through your personal benefits.
| 5 hours covered* | |||
| Couples Counselling
Once your covered hours are used up, you can choose to continue accessing sessions at an additional cost. You may be able to get this reimbursed through your personal benefits.
| 5 hours covered* | |||
| Children's Mental Health Program | Included | |||
| Health Coaching | 5 hours annually | |||
| Life Transitions | 5 hours annually | |||
| Career Coaching | 5 hours annually | |||
| Personalized Nutrition | Unlimited | |||
| Cognitive Behavioral Therapy (CBT) | Unlimited | |||
| Pharmacy Support | Unlimited | |||
| Legal Support | Unlimited | |||
| Financial Services Support | Unlimited | |||
| Add-Ons | ||||
| Hospital Cash
Subject to a waiting period.
| $100 per day to a maximum of $3,000 per policy year. | |||
| Travel Days | Increase travel by 15, 30 or 48 days per trip. | |||
This is a summary of benefits only. Please refer to the Policy Wording for complete details.
| Dental Benefits (No annual deductible) | Tier 1 Basic only | Tier 2 Basic + Major | Tier 3 Basic + Major | Tier 4 Basic + Major | Limitations, Exceptions, and Other Information |
|---|---|---|---|---|---|
| Annual Maximum | Year 1: $500 Year 2: $500 Year 3: $500 | Year 1: $500 Year 2: $750 Year 3: $1,000 | Year 1: $600 Year 2: $850 Year 3: $1,500 | Year 1: $750 Year 2: $1,000 Year 3: $2,000 | 3 month waiting period |
| Basic Coinsurance | 50% | 80% | 80% | 100% | 3 month waiting period |
| Major Coinsurance | Not included | 50% | 50% | 60% | 12 month waiting period |
| Orthodontics (Dependent children under 18) | Not included | Not included | Not included | 50% | $2,500 Lifetime maximum 2 year waiting period |
Notes: All Dental Benefits are available across Canada.
| Drug Benefits | Tier 1 | Tier 2 | Tier 3 | Tier 4 |
|---|---|---|---|---|
| Basic Non Pre-Existing Condition(s) | $300 | $1,000 | $3,500 | $6,000 |
| Enhanced Non Pre-Existing Condition(s) | Not included | Not included | $800 | $1,000 |
Notes: $6 per prescription deductible (No annual deductible), no coinsurance, no waiting period, no dispensing fee cap.
Manage your plan, all in one place
Your My GMS account gives you simple, secure, on-demand access to everything related to your plan. Easily view your coverage, check claims, and track your benefits, all in one place, whenever you need it. We’re committed to making individual health insurance easy and transparent for Canadians.
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The GMS Care Network – included in all GMS plans.
Virtual doctors, mental health counselling, and online cognitive behavioural therapy are just a few clicks away. Included in all GMS health plans at no extra cost.
Commonly Asked Questions
- Why would I need health insurance if I already have provincial coverage?
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Provincial health plans cover many essential medical services, but they don’t typically include things like prescription drugs, dental care, vision care, or many paramedical services. My Health helps fill those gaps so you’re not paying out of pocket for the care you rely on.
- Do I need a provincial health number to get GMS health insurance?
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Yes. GMS health insurance is designed to supplement your provincial coverage, so you'll need to be enrolled in your province's health plan to apply.
- Can I apply for coverage from outside of Canada?
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My Health plans are available to Canadian residents. If you're currently outside Canada, eligibility will depend on your residency status and the plan you're applying for. Contact us and we’ll help you determine your options.
My Health Forms
View All Forms
- My Health - Policy Wording
- My Health - Coverage Update
- My Health - Add Family Member
- My Health - Brochure