GMS Replacement Health Coverage


GMS Replacement Health Coverage

Retiring? Starting your own business? Between jobs? Life is full of changes, and we want to make sure it’s smooth sailing when it comes to your health coverage. With a GMS Replacement Health plan, it’s easy to move from your employer benefits plan to your own individual plan. GMS Replacement Health plans help you maintain your lifestyle, covering the health costs your provincial plan doesn’t.

With a GMS Replacement Health plan, acceptance is guaranteed and there are no medical questions as long as your plan begins within 60 days of losing employer sponsored coverage. Plus, you can check to see if your existing prescriptions will be covered before you buy.

GMS Replacement Health Plans support you on your new adventure

GMS Replacement Health Plans are bundled to include coverage for

Guaranteed acceptance so you don't have to worry

Life is full of exciting changes, and GMS wants to make sure you can enjoy them. If you’re leaving a group benefits plan, GMS is happy to offer you guaranteed acceptance for Replacement Health coverage. GMS won’t even bother you with pesky medical questions — all you have to do is apply and they’ll get you started!

And GMS does its best to make your life easy.

Pharmacies, dentists, and health and vision practitioners, such as massage therapists, chiropractors, optometrists can bill GMS directly for covered expenses, so there is no need for you to submit a claim yourself. For other covered expenses,  send your claim online and sign up for direct deposit- you get your money back faster.

Search the GMS Prescription Drug Lookup Tool to find out which drugs are covered under your plan.

Which GMS Replacement Health Plan is right for you? Read more about the EssentialPlan, ChoicePlan, PremierPlan below. Then click on the Rates button and choose the one that best suits your needs and budget.

About GMS Health Replacement plans

Why purchase a replacement health plan over a personal plan?

Both GMS Replacement Health and Personal Health products offer coverage for healthcare costs not covered by the government. They’ve got similar benefits, but Replacement Health plans are only for people losing coverage from a group benefits plan.

If you’re eligible for Replacement Health, GMS offers guaranteed acceptance with no medical questions asked. That means your premium won’t be affected by health conditions you might have developed while covered under your group benefits plan. GMS has packaged Replacement Health plans to provide coverage similar to most group benefit plans, so you can maintain your wellbeing.

You can also apply for a medically underwritten GMS Personal Health plan if you’re leaving a group plan. These plans are designed to give you choice and flexibility when it comes to which benefits you’d like to include. And if you have a pre-existing condition like high blood pressure, asthma or depression, a Personal Health Plan with the Enhanced Prescription Drugs Benefit option lets you use $800 of your yearly limit for non-formulary and special status drugs, as well as drugs to treat pre-existing conditions.