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Flexible plans. Easy to explain.
My Health helps you sell health coverage with confidence.
Find the right plan for every client with coverage that fits real, everyday life. My Health brings together health, drug, dental, travel coverage, and 24/7 telemedicine in one simple, convenient package—with orthodontics available too. You can easily tailor each plan with flexible add‑ons and higher benefit maximums to match your clients’ needs.
At GMS, we’re here to make your work easier. We streamline processes to save you time, and our consistent commissions and dependable service are designed to help your business grow.
Introduction to My Health
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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.
My Health Resources
Forms and Resources
You’ll find everything you need to manage My Health plans, from the latest forms and brochures to policy updates, sales tools, and training guides.
Broker Training Video
Find the new My Health Broker Portal training video and learn how to use everything related to this new experience.
Education
Access to our new training module through the Learning & Development platform for brokers. Build your expertise in My Health while earning 1 CE credit. If you need help logging in, please contact us.
Video Training Hub
Access all our support videos and learn how to use our resources for My Health and other products and services.
My Health Forms
View All Broker Resources
- My Health - Add Family Member
- My Health - Comparison Table
- My Health - Coverage Update
- My Health - Plan Option Chart
- My Health - Brochure
- My Health - Policy Wording
- My Health - Statutory Conditions
A new digital experience for you and your clients
My Health introduces a refreshed digital experience that makes quoting and exploring coverage easier and more transparent. Your clients will also benefit from a new and improved portal, giving them easy and transparent access to their claim’s history and coverage details.
Commonly Asked Questions
- What is My Health? Is it a new product?
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My Health is a new product under our Individual Health product line. We designed a whole new experience based on customer,broker, and market feedback to better reflect how Canadians access individual health insurance today. It offers clearer structure,more flexibility, and more comprehensive coverage—while our commitment to high-quality health support remains unchanged.
- Why are we sunsetting the Personal Health product?
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Our Personal Health product has been around for a very long time. In conjunction with the launch of our new platform, we are offering a new product that aligns with our commitment to meet the needs of our customers. We conducted extensive research with brokers, customers, and the market to understand current gaps. My Health is designed to reflect how Canadians access health coverage today and to make it easier for you as brokers to explain and sell.
- How is My Health different from the current Personal/Individual Health plan?
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My Health keeps the foundational coverage but introduces:
A clearer and more streamlined product design structure
More flexibility to customize coverage to clients’ needs
More comprehensive built-in features, including Emergency Travel coverage
A product designed to make it easier to position, explain, and demonstrate value for your clients with confidence
- When will My Health be available?
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The My Health launch is planned for May 2026, starting with new customers only. A later phase will transitionexisting Personal Health customers.
- Can I still sell Personal Health once My Health is launched?
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No, My Health will be the new product for all new sales. However, for existing customers, they will be able to renew on Personal Health until the conversion exercise starts later in the year.
- How will existing customers be moved over?
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We have put considerable thought into this and are working through a full transition plan. Details will be shared as the plan develops and we anticipate this starting as early as the end of this year.
- Will My Health have different pricing?
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Yes. My Health is a new product that is designed and priced differently. Pricing details will be communicated closer tolaunch. Please reach out to your RSD for product-specific pricing discussions.
- Why are we introducing a new system?
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We are modernizing our technology to replace the legacy platform. The new system delivers a smoother, more efficientdigital experience for both brokers and customers.
- When will the new system be live?
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We have tied the new system launch to our new My Health product launch in early May 2026. More detailed timelines willbe shared soon.
- Will I get training?
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Yes, absolutely. All brokers will receive training before the system goes live. Watch out for communications from GMS. Training will cover everything you need to know about the new product and the new system.
Meet Our Regional Sales Directors
National Sales
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Melanie Mullinder
Director, National Sales
Alberta, Northwest Territories, British Columbia, Yukon
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David Roberts
Regional Sales Director
Greater Toronto Area, Southern Ontario
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Joanna Leng
Regional Sales Director
Manitoba, Northern & Western Ontario, Atlantic
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Michelle Watts
Regional Sales Director
Phone
(204) 294-9465
Email
Southern Saskatchewan
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Lindsie Korchinski
Regional Sales Director
Northern Saskatchewan
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Aman Husson
Regional Sales Director