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Private health insurance right here at home.
The GMS Difference
Two health insurance options you can feel good about
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GMS Care Network: Around-the-clock-care
GMS Care Network is our assistance program, included in all Personal Health and Replacement Health insurance plans. It’s a network of virtual secure services that support whole health – body and mind. Meet with licensed Canadian doctors, access life, health and other types of counselling, and support your mental health from the comforts of home.
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Giving back to Saskatchewan for more than 75 years
As a not-for-profit organization, we’re proud to reinvest our profits into the health of the communities we serve – especially here in our home province. We’ve invested millions of dollars into health-focused initiatives and organizations like Hospitals of Regina Foundation, STARS Air Ambulance, the Regina Food Bank, and more. We prioritize care, community, and change.
Personal Health Insurance
Manage the costs of everyday and emergency health needs, above and beyond what’s covered under your Saskatchewan health plan. We make it easy to choose a base plan and personalize it with add-on services and added protection.
Compare coverage
| Benefit | BasicPlan | ExtendaPlan® | OmniPlan® |
|---|---|---|---|
| Prescription Drugs | Optional - See Add-on Coverage below | Optional - See Add-on Coverage below | Optional - See Add-on Coverage below |
| Dental Care | Optional - See Add-on Coverage below | Optional - See Add-on Coverage below | Optional - See Add-on Coverage below |
| Vision Care
Covers eyewear and eye exams.
| Not included | 80% coverage to $250 per 2 years combined |
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| Health Practitioners
Covers services from acupuncturists, chiropractors, chiropodists/podiatrists, massage therapists, naturopaths, dietitians, osteopaths, and/or physiotherapists/athletic therapists.
| 70% coverage to $250 combined maximum for Acupuncturist, Chiropodist/Podiatrist, Naturopath, Dietitian, and Osteopath, per person, per policy year | 80% coverage to $350 combined maximum for Acupuncturist, Chiropractor, Chiropodist/Podiatrist, Massage Therapist, Naturopath, Dietitian, Osteopath, and Physiotherapist/Athletic Therapist, per person per policy year | 90% coverage to $300 per health practitioner, per person, per policy year for Acupuncturist, Chiropractor, Chiropodist/Podiatrist, Massage Therapist, Naturopath, Dietitian, Osteopath, and Physiotherapist/Athletic Therapist |
| Counselling Services
Covers psychologists, clinical counsellors, registered social workers, and psychotherapists.
| Not included | Combined maximum of $65 per visit for 10 visits per person per policy year. | Combined maximum of $65 per visit for 15 visits per person per policy year |
| Speech Pathologist/Therapist | Combined maximum of $45 per visit for 5 visits, per person per policy year | Combined maximum of $45 per visit for 10 visits, per person per policy year | Combined maximum of $45 per visit for 10 visits, per person per policy year |
| Ambulance | $2,000 per person per policy year | Unlimited | Unlimited |
| Air Ambulance | Unlimited | Unlimited | Unlimited |
| Hearing Aids | Not included | $500 every five years | $800 every five years |
| Casts & Crutches | Unlimited | Unlimited | Unlimited |
| Medical Equipment & Supplies
Covers things like splints, braces, air casts, and shoulder immobilizers.
| Not included | $500 per person per policy year | $500 per person per policy year |
| Annual Travel (for Saskatchewan residents only)
GMS‘s Annual Travel benefit provides emergency medical coverage while you're travelling. Residents 80 years of age or older are only eligible for emergency medical coverage for travel within Canada.
| Not included | Options for out-of-Canada coverage:
All options: 183 days coverage in Canada |
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| Diabetic Supplies & Equipment | Not Included | $300 per person per year | $300 per person per year |
| Oxygen Equipment | Not included | $500 per person per year to a lifetime maximum of $1,500 | $500 per person per year to a lifetime maximum of $2,500 |
| Blood Pressure Monitors | Not included | 1 per policy per 5 years | 1 per policy per 5 years |
| Custom Foot Orthotics | Not included |
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| Orthopedic Shoes | Not included | $225 per person per year | $225 per person per year |
| Mobility Aids | Not included | $300 per person per year | $300 per person per year |
| Ostomy Supplies | Not included | $300 per person per year | $300 per person per year |
| Preferred Hospital Room | $500 per person per year | $1,000 per person per year | 45 days up to $3,500 per person per year |
| Private Duty Nursing | 80% coverage to $1,500 per person per year for in-hospital nursing | 80% coverage to $3,000 per person per year for in-hospital or in-home nursing | 80% coverage to $5,000 per person per year for in-hospital or in-home nursing |
| Accidental Dental | $500 per injury | $2,000 per injury | $5,000 per injury |
| Wheelchairs, Motorized Scooters & Hospital Beds | $500 per person per 5 years | $750 per person per 5 years | $1,000 per person per 5 years |
| Prosthetic Appliances | Artificial limbs, eyes, breasts and surgical bras | Artificial limbs, eyes, breasts and surgical bras | Artificial limbs, eyes, breasts and surgical bras |
| Patient Walkers | 80% coverage of purchase or rental to a maximum of $300 per person per 5 years | 80% coverage of purchase or rental to a maximum of $300 per person per 5 years | 80% coverage of purchase or rental to a maximum of $300 per person per 5 years |
| GMS Care Network | Included | Included | Included |
| Hospital Cash | Optional - See Add-on Coverage below | Optional - See Add-on Coverage below | Optional - See Add-on Coverage below |
Coverage is per person. This is a summary of benefits only.
Add-on Optional Coverage
- Basic Prescription Drugs: Up to $3,500 of coverage per person per year.
Basic Prescription Drugs covers drugs under your provincial drug plan, drugs prescribed to treat newly diagnosed conditions, and hormonal contraceptives.
This coverage excludes:
A $6 deductible applies to each eligible prescription.
- Enhanced Prescription Drugs: Up to $5,000 of coverage per person per year, including $800 for drugs prescribed for pre-existing conditions.
Enhanced Prescription Drugs covers drugs under your provincial drug plan, drugs prescribed to treat newly diagnosed conditions, and hormonal contraceptives.
As part of the $5,000 coverage maximum, you’ll get $800 for pre-existing condition prescriptions, drugs that are not covered by your provincial drug plan, and prescriptions otherwise excluded (see Basic Prescription Drugs or policy wording for a full list of exclusions).
A $6 deductible applies to each eligible prescription.
- Dental Care: Coverage for basic dental services like exams and fillings and major services like crowns, bridges, and dentures.
Your coverage will increase over three years:
- Year 1: 75% coverage to a maximum of $500 for basic dental services.
- Year 2: 80% coverage for basic services and 50% coverage for major dental services to a combined maximum of $750.
- Year 3: 80% coverage for basic services and 50% coverage for major services to a combined maximum of $1,000.
A three-month waiting period may apply.
- Hospital Cash: Coverage for extended hospital stays with $100 per day to a maximum of $3,000 per year.
Covers out-of-pocket expenses like food, parking, and Wi-Fi.
Replacement Health Insurance
Guaranteed acceptance – no medical questions asked. With bundled coverage options for prescription drugs, vision care, dental, travel, and more, Replacement Health offers flexible, reliable health plans for entrepreneurs and retirees.
Compare coverage
| Benefit | EssentialPlan | ChoicePlan | PremierPlan |
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| Prescription Drugs
GMS Replacement Health customers aren’t limited to the drugs listed on provincial drug plans. We offer up to 80% coverage for drugs on our prescription drug list. Check out our Prescription Drug Lookup Tool to learn more.
| Not included | 80% coverage (maximum $1,250) | 80% coverage to (maximum $2,500). |
| Dental Care (Preventative, Basic, and Major Services)
Preventative services include things like cleaning and polishing; basic services include things like exams, x-rays, and root canals; and major services include things like bridges, crowns, and full or partial dentures.
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| Accidental Dental | $2,000 maximum per injury | $2,000 maximum per injury | $2,000 maximum per injury |
| Private Duty Nursing | 80% coverage (maximum $1,000) | 80% coverage (maximum $3,000) | 80% coverage (maximum $5,000) |
| Preferred Hospital Room | 80% coverage (maximum $2,000) | 80% coverage (maximum $5,000) | 80% coverage (maximum $10,000) |
| Custom Foot Orthotics & Orthopedic Shoes | $300 | $300 | $300 |
| Health Practitioners
Covers services like massage, acupuncture, physiotherapy, and more.
| 50% coverage ($600 combined maximum) | 80% coverage ($600 combined maximum) | $600 combined maximum |
| Counselling Services
Covers psychologists, clinical counsellors, registered social workers, and psychotherapists.
| Combined maximum of $65 per visit x 5 visits | Combined maximum of $65 per visit x 10 visits | Combined maximum of $65 per visit x 10 visits |
| Vision Care
Covers eyewear and eye exams.
| $100 per two years combined maximum, including one eye exam every two years | $150 per two years combined maximum, including one eye exam every two years | $300 per two years combined maximum, including one eye exam every two years |
| Hearing Aids | $500 every five years | $500 every five years | $800 every five years |
| Ground & Air Ambulance | Unlimited | Unlimited | Unlimited |
| Medical Equipment & Supplies
Covers things like splints, braces, air casts, and shoulder immobilizers.
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| Wheelchairs, Motorized Scooters & Hospital Beds | 80% coverage to $10,000 combined lifetime maximum | 80% coverage to $10,000 combined lifetime maximum | 80% coverage to $10,000 combined lifetime maximum |
| Artificial Limbs, Eyes & Larynx | $10,000 combined lifetime maximum | $10,000 combined lifetime maximum | $10,000 combined lifetime maximum |
| Breast Prosthesis | $325 (lateral) and $650 (bilateral) every two years | $325 (lateral) and $650 (bilateral) every two years | $325 (lateral) and $650 (bilateral) every two years |
| Annual Travel | Not included |
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| GMS Care Network | Included | Included | Included |
Coverage is per person. This is a summary of benefits only.