Private health insurance right here at home.

Since 1949, we've been a preferred insurance provider for people from all corners of the province.

Why? Because when you choose GMS for health, travel or group benefits coverage, you know you're getting coverage you can count on. 

Whether you’re looking for protection for yourself, your loved ones, your team, or your travel plans, we’re here for you when you need us.

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Not sure which plan is right for you?
We’re happy to make a recommendation.

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The GMS Difference

Insurance, honestly.

This is our promise to you. No matter when or where you interact with us, you can expect ease and honesty. Honestly.

Three things set us apart from other private health insurance providers:

  • Products: We’re the company Saskatchewan counts on for clear, comprehensive insurance.
  • Processes: We make sure our processes are fast, convenient, and easy to follow.
  • People: We pride ourselves on delivering signature Saskatchewan service and support.

 

Two health insurance options you can feel good about

Personal Health Insurance

We chose the name Personal Health because health is just that: personal. Flexibly designed to fit your needs now and change as you change, it’s easy to pick the plan that’s right for you. Support your health while protecting your wallet. 

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Learn More

Replacement Health Insurance 

Leaving a group benefits plan shouldn’t mean losing your health benefits. If you’re within 90 days of exiting a plan, Replacement Health can help you confidently step into your next chapter, whether you’re relaxing into retirement or starting your own business. 

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Learn More

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.

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
BenefitBasicPlanExtendaPlan®OmniPlan®
Prescription DrugsOptional - See Add-on Coverage belowOptional - See Add-on Coverage belowOptional - See Add-on Coverage below
Dental CareOptional - See Add-on Coverage belowOptional - See Add-on Coverage belowOptional - See Add-on Coverage below
Vision Care Not included80% coverage to $250 per 2 years combined
  • 90% coverage to $250 per 2 years for frames per lenses
  • One eye exam per two years
Health Practitioners 70% coverage to $250 combined maximum for Acupuncturist, Chiropodist/Podiatrist, Naturopath, Dietitian, and Osteopath, per person, per policy year80% coverage to $350 combined maximum for Acupuncturist, Chiropractor, Chiropodist/Podiatrist, Massage Therapist, Naturopath, Dietitian, Osteopath, and Physiotherapist/Athletic Therapist, per person per policy year90% 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 Not includedCombined 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/TherapistCombined maximum of $45 per visit for 5 visits, per person per policy yearCombined maximum of $45 per visit for 10 visits, per person per policy yearCombined maximum of $45 per visit for 10 visits, per person per policy year
Ambulance$2,000 per person per policy yearUnlimitedUnlimited
Air AmbulanceUnlimitedUnlimitedUnlimited
Hearing AidsNot included$500 every five years $800 every five years
Casts & CrutchesUnlimitedUnlimitedUnlimited

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:  

 

  • Drugs not listed on your provincial health drug plan
  • Drugs available without a prescription
  • Drugs for treating a pre-existing medical condition (in this case, before applying for GMS coverage)
  • Drugs that were prescribed or taken before applying for GMS coverage
  • Drugs intended to treat sexual dysfunction
  • Experimental drugs
  • Drugs intended for weight loss
  • Drugs used for cosmetic purposes
  • Vaccines
  • Smoking cessation drugs
  • Self-prescribed drugs or drugs prescribed by a family member
  • Fertility drugs
  • Non-hormonal contraceptives
  • Vitamins

 

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.  

We make buying health insurance easy – honestly.


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
BenefitEssentialPlanChoicePlanPremierPlan
Prescription Drugs Not included80% coverage (maximum $1,250)80% coverage to (maximum $2,500).
Dental Care (Preventative, Basic, and Major Services)
  • 80% preventative & basic
  • 50% major
  • $1,000 combined maximum
  • 80% preventative & basic
  • 50% major
  • $1,250 combined maximum
  • 80% preventative & basic
  • 50% major
  • $1,500 combined maximum
Accidental Dental$2,000 maximum per injury$2,000 maximum per injury$2,000 maximum per injury
Private Duty Nursing80% coverage (maximum $1,000)80% coverage (maximum $3,000)80% coverage (maximum $5,000)
Preferred Hospital Room80% coverage (maximum $2,000)80% coverage (maximum $5,000)80% coverage (maximum $10,000)
Custom Foot Orthotics & Orthopedic Shoes$300$300$300
Health Practitioners 50% coverage ($600 combined maximum)80% coverage ($600 combined maximum)$600 combined maximum
Counselling Services Combined maximum of $65 per visit x 5 visitsCombined maximum of $65 per visit x 10 visitsCombined maximum of $65 per visit x 10 visits
Vision Care $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

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

We make buying health insurance easy-honestly