My Health Broker Experience

Quote My Health for Your Clients

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

View My Health Coverage

Vision Care	Tier 1	Tier 2	Tier 3	Limitations, Exceptions, and Other Information
Eye Exams	1 eye exam	1 eye exam	1 eye exam	Per 2 years No coinsurance
Prescription Eyewear	Not included	$150	$250	Per 2 years No coinsurance

Paramedical and Mental Health Practitioners

Paramedical and Mental Health Practitioners	Tier 1	Tier 2	Tier 3	Limitations, Exceptions, and Other Information
Health Practitioners	$250 per year combined maximum	$350 per year combined maximum	$500 per year combined maximum	Per year No coinsurance No per visit maximum
Mental Health Practitioners	$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	Adults: Per 3 years Children (under 16 years): Per Year
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

This is a summary of beneﬁts only. Please refer to the Policy Wording for complete details.

Emergency Support

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

Emergency Travel Medical	Tier 1	Tier 2	Tier 3
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

GMS Care Network	Limitations, Exceptions, and Other Information
Telemedicine	Unlimited
Kids and Adult Individual Counselling	5 hours covered
Couples Counselling	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

Add-ons
Hospital Cash	$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.

Compare My Health to Personal Health

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My Health Resources

Forms and Resources

Everything you'll to need manage My Health plans. Access the latest forms, brochures, policy updates and sales tools for new business.

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Broker Training Video

Find the new My Health Broker Portal training video and learn how to use everything related to this new experience.

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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.

Access to Training

Video Training Hub

Access all our support videos and learn how to use our resources for My Health and other products and services.

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My Health Forms View All Broker Resources

My Health - Add Family Member
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My Health - Comparison Table
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My Health - Coverage Update
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My Health - Plan Option Chart
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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.

Simplified quoting

Faster quoting with dynamic pricing and an improved buy flow. Guide clients clearly and complete sales more efficiently.

Client transparency

Clients can view benefits, claims, and balances anytime. Track claim status with full visibility in one place.

Easy plan management

Manage updates, payments, and requests through the portal. A simple, secure experience for brokers and clients.

Commonly Asked Questions

Visit our Resource Hub

What is My Health? Is it a new product?: 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?: 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?: 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?: 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?: 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?: 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?: 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?: 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?: 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?: 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.