GMS Insurance Review

 Canadians are fortunate to have universal health care but "universal" does not always mean it is 100% comprehensive. While government health insurance makes a lot of medical costs cheap or even free, it doesn't cover everything. In fact, according to a report by the Effective Public Healthcare Panacea Project (EPHPP), Canada's universal health program covered about 64% of health care costs, while 15% was covered out of pocket. Another 21% were covered through other public sources and private insurance.

credit: sbis.ca :GMS Insurance Review

Thankfully, this is why individual health insurance providers like GMS exist. Read the Loans Canada review to find out if GMS insurance is right for you.

Who is GMS?

Group Medical Services (GMS) is a not-for-profit company that has been offering individual health and travel insurance plans since its founding in Saskatchewan in 1949. In 2003, they officially expanded to the rest of Canada and today, they cover a variety of medical expenses that some government or private insurance providers will not.

If you cannot obtain full health insurance coverage through your business, employer, province or territory, GMS may be the right network to find the additional coverage and additional benefits you seek.

Types of Insurance Offered by GMS

GMS offers basic to comprehensive coverage plans for every Canadian, all of which have a specific drug and dental benefit. Currently, their main insurance plans are:

Health

GMS offers several insurance options for health-related expenses, such as coverage for dental procedures, physiotherapy, vision care and prescription medications. The coverage amount varies according to the type(s) of treatments you need.

travel

If you are vacationing, studying or working abroad, GMS TravelStar® insurance plans give you up to $5 million in coverage for medical emergency and trip cancellation costs. It also includes $500,000 for related medical expenses.

immigrants and visitors

You can also get GMS health insurance when you are temporarily living in Canada as a visitor or immigrant. Choose the deductible and coverage amount to receive many of the same medical benefits as GMS TravelStar® Insurance.

Find out if you need Super Visa insurance to visit Canada.

group

GMS has comprehensive plans for businesses that need employee health coverage. Smaller companies (3 - 10 employees) can get a pre-designed Group Advantage plan, while larger companies (11+ employees) can get a custom plan.

GMS provide dental insurance

Most provincial and regional health care programs do not offer any dental coverage, but GMS does have insurance plans for individuals, families, and businesses, all of which offer various dental benefits. These plans provide coverage for routine costs such as cleaning, examination and polishing. It also covers more comprehensive procedures, including dentures, crowns, bridges and emergencies.

If you're looking for additional coverage, you can add a supplemental plan to your policy, offering increasing levels of coverage over time:

year 1:

Maximum combined reimbursement = $500

Coverage for basic services = 75%

No coverage for key services

Year 2:

Maximum combined reimbursement = $750

Coverage for basic services = 80%

Coverage for core services = 50%

season 3:

Maximum combined reimbursement = $1,000

Coverage for basic services = 80%

Coverage for core services = 50%

Check out Ontario's dental program called Healthy Smiles.

GMS Insurance Plans

Since GMS offers several types of insurance for people of all ages and walks of life, your monthly or annual premiums can vary greatly depending on your coverage needs as well as certain factors such as your age, gender, health and lifestyle. could.

To better understand what we mean, here's an example of how much you might pay for GMS individual health insurance as a single resident of Ontario 35-44 years old who doesn't smoke .

Insurance Plan (Without Add-ons) Minimum Premium

Health – Omniplan = $43.50 per month

- ExtendPlan = $20.25 per month

- BasicPlan = $6.75 per month

If you are looking for a group insurance plan, you will be able to get a premium quote by simply visiting the GMS Insurance website and completing the instructions in the "Group Plans" tab. Here, you may have to enter several details, such as your number of employees, your company name, and other information related to your business.

claim with GMS Process

Making an insurance claim with GMS is also very easy. All you have to do is access their online portal, register for a My GMS account (or log in to your existing account) and submit a claim digitally. You can file a claim by mail, all you have to do is fill out their form and send it to:

2055 Albert Street, Regina, SK S4P0E3

Typically, the fastest and easiest way to submit a claim with GMS will be online as most of the information on it is pre-filled for you. You can use your My GMS account to view your claims history, verify the status of your claims and set up a direct deposit with your bank.

Learn why your insurance claim was denied.

GMS quote health insurance 

When you buy any type of insurance, your annual or monthly premium may depend on various health and coverage-related factors, such as:

your age and gender

your province or territory

your chosen deductible

You want the amount of beneficiaries on your plan (individuals, families, etc.).

Optional/Supplemental benefits that you add to your policy

how healthy you are (i.e. whether you smoke, consume alcohol, etc.)

To get a free health insurance quote, simply visit GMS.ca, click on the "Get a Quote" tab and fill in the required details. You can also work with one of their insurance brokers, visit their head office in Regina or call their customer service line toll-free to request a quote.