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Group Benefits For Small Business

 

 Group Medical Services (GMS)

 

GMS Group Advantage Health Benefits at a Glance

Health Benefits

Silver

(3+ employees)

Gold

(3+ employees)

Platinum

(6+ employees)

Diamond
(10 + employees)

Extended Health (coverage per person)

Health Practitioners

n/a

$300 combined

$300 per specialist per year

$500 per specialist per year

Hospital (Preferred Wards)

Unlimited

Unlimited

Unlimited

Unlimited

Ambulance Services

$1,500

Unlimited

Unlimited

Unlimited

Air Ambulance

Unlimited

Unlimited

Unlimited

Unlimited

Accidental Injury to Natural Teeth

$2,000 per injury

$2,000 per injury

$2,000 per injury

$5,000 per injury

Private Duty Nursing

$2,500

$2,500

$5,000

$10,000

Breast Prosthesis

1 for lateral / 2 for bilateral per 2 years, per person 

1 for lateral / 2 for bilateral per 2 years, per person 

1 for lateral / 2 for bilateral per 2 years, per person 

1 for lateral / 2 for bilateral per 2 years, per person

Wheelchairs, Scooters
& Adjustable Beds

$500 per 5 years

$500 per 5 years

$500 per 5 years

$500 per 5 years

Patient Walkers

$200 per 3 years

$200 per 3 years

$200 per 3 years

$200 per 3 years

Casts and Crutches

Unlimited

Unlimited

Unlimited

Unlimited

Artificial Eyes,
Limbs & Larynx

$10,000 lifetime max.

$10,000 lifetime max.

$10,000 lifetime max.

$10,000 lifetime max.

Diabetic Supplies
& Equipment

$300

$300

$500

$500

Ostomy Supplies

$300

$300

$300

$300

Oxygen Equipment

$500

$500

$500

$500

Out-of-Province Referral
(within Canada)

n/a

$50,000 lifetime

$50,000 lifetime

$50,000 lifetime

Custom Foot Orthotics

1 pair every 5 years (adult) /1 pair every year for children under 16 yrs.

1 pair every 5 years(adult) /1 pair every year for children under 16 yrs.

1 pair every 5 years (adult) /1 pair every year for children under 16 yrs.

1 pair every 5 years (adult) /1 pair every year for children under 16 yrs.

Therapeutic Shoes

n/a

$200

 $200

$200

 Hearing Aids

n/a

$500 per 5 years

$500 per 3 years

$500 per 3 years

Blood Pressure Monitor

n/a

n/a

1 per policy per 5 years

1 per policy per 5 years

Additional Expenses

$500 combined

$500 combined

$500 combined

$500 combined

Travel

30 days  (unlimited number of trips)

n/a

$5 million total coverage

$5 million total coverage

$5 million total coverage

Vision Care  (coverage per person)

Eye Exams, Glasses
& Contact Lenses

$60 per 2 years
(for eye exams only)

$150 per 2 years

$300 per 2 years

$300 per 2 years

Prescription Drugs (coverage per person per policy year)

Coverage

 

Pay-direct Card included with all options

70% of cost up to $500
Formulary Drugs Only
Vaccines/ Immunizations

80% of cost up to $1,500
Formulary and
Non-Formulary Drugs
Vaccines/ Immunizations

100% of cost to $5,000
Formulary and
Non-Formulary Drugs
Vaccines/ Immunizations

100%  Unlimited
Formulary and
Non-Formulary Drugs
Vaccines/ Immunizations

 

GMS Group Advantage Dental Benefits at a Glance

Dental plans include employer choice of $500, $1,000, $1,500, or $2,000 combined annual coverage maximum

for basic and major services, per person, per year.

Dental Benefits

Silver

(3+  employees)

Gold

(3+  employees)

Platinum

(6+  employees)

  Co-insurance Co-insurance Co-insurance
Preventive Services 80%  100% 100%
Basic Services 80%  100% 100%
Major Services n/a 50% 80%

Orthodontic Services
(for Dependants under 18 yrs old)

n/a n/a

50%
($1,500 lifetime maximum)


Dental Services 
   

   Preventative Services

• cleaning, scaling and polishing (6 month recall)

• topical fluoride treatment

• pit and fissure sealants

• occlusal adjustment and equilibration

• interproximal disking of teeth

• bruxism appliances

 

     Basic Services

●  examinations and dental x-rays

●  routine extractions and fillings

●  basic oral surgery performed by dentist,
including anaesthesia

●  root canal therapy

●  denture repair, relining and rebasing

●  surgical and non-surgical periodontal treatment

 

 

 

    Major Services

●  full or partial upper and lower dentures

●  inlays, onlays, crowns and veneers

●  denture adjustments

 

    Orthodontic Services
   (for Dependants under 18 years of age)

●  diagnosis and treatment for the correction of malocclusion or malposed teeth


NOTE: The product-related information is for illustration purposes only. For complete benefits, terms, conditions, limitations and exclusions, please refer to the PolicyWording


 

 

 

Calculate Your Monthly Premium

To determine the total monthly premium for a GMS Group Advantage® plan for your business, list the number of your employees who are single and those with spouses and/or children (considered family).

 

Select the monthly rate per single or family employee for your province and selected plan options. Multiply the quantities by the rates, then add the subtotals together for your total monthly premium.

Health

Single ______ x Rate ______ = $ ______
  Family ______ x Rate ______  = $ ______

Dental

Single ______  x Rate ______ = $ ______
  Family ______ x Rate ______ = $ ______
             

Total Monthly Premium*

 = $ ______

*Provincial sales tax applicable in the province of Ontario

 

For more information, consultation and free quotation please call Natalia at 

416-493-0101, 1-877-443-0101, 416-458-4577

 or ask your question online 

Ask a Question

 

Back to Group Benefits for Small &Family Business

 

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                                                       June 24, 2016