Green Shield Health and Dental Insurance
Green Shield Canada
Green Shield Canada (or GSC) has been offering extended health and dental benefits since 1957. They are Canada's only not-for-profit health and dental benefits specialist. GSC Health Assist offers a variety of health and dental plans to meet your health care needs. The ZONE plans and the LINK plans are available to Canadian residents age 18 and over who are covered under a provincial health insurance plan. You can apply for coverage up to age 79, and once approved, you can be covered for life (provided you continue to pay your premiums). This even includes emergency medical travel benefits! GSC’s Health Assist products offer competitive rates for singles, couples (single plus one dependent), and families (no restriction on the number of dependants).
Flexible plans offer a choice of prescription drug coverage, dental coverage, or a combination of both. In addition, all plans provide coverage towards vision care, extended health care (i.e., registered massage therapists and chiropractors), as well as emergency medical travel protection.
Many of the plans guarantee your acceptance, meaning no medical questionnaire is required*. Health Assist plans are easy to get and easy to understand!
ZONE — coverage for individuals (and their dependants)
Whether you are self-employed, a small business owner (including employees), an older student, retiree, contract worker, part-time, seasonal, or temporary worker, the ZONE plans offer comprehensive health and dental coverage at competitive prices.
- Choose from a variety of plans with different coverage levels — all including vision, extended health care and emergency medical travel benefits with no age limits.
- Options include both guaranteed issue plans where acceptance is guaranteed*; and other plans that do require completion of a medical questionnaire and underwriting.
- A preferred hospital accommodation benefit is optional with all medical questionnaire plans.
LINK — guaranteed coverage to individuals (and their dependants) transitioning from a group health benefits plan.
Employees may face losing their group health benefits due to retirement, career change, job loss or reaching age maximums. It is vital to provide information on the options available for group conversion when you have employees losing their benefits. If you are retiring, or starting a new job or career, LINK offers affordable coverage for health care expenses.
The GSC Health Assist LINK plans offer individual health and dental coverage that’s guaranteed* as long as GSC receives applications within 90 days of the group health benefits end date.
LINK plans provide comprehensive coverage options without medical underwriting.
Different plan options — all include vision, extended health care, preferred hospital accommodation and emergency medical travel coverage. All plans are guaranteed acceptance* for individuals leaving any group health plan, as long as the individual applies within 90 days of their group coverage end date.
*GSC's receipt of payment is required for guaranteed acceptance.
| Benefits effective April 1, 2020 | No Medical Underwriting Required — Your Acceptance is Guaranteed | |||||||||||
| LINK Plan 1 | LINK Plan 2 | LINK Plan 3 | LINK Plan 4 | |||||||||
| PRESCRIPTION DRUGS (benefits per person) | ||||||||||||
| Maximums |
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| DENTAL CARE (benefits per person) | ||||||||||||
| Maximums | Year 1: $600 Year 2: $800 Year 3+: $1,000 |
Year 1: $750 Year 2: $1,000 Year 3+: $1,250 |
Year 1: $1,000 Year 2: $1,250 Year 3+: $1,750 |
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| Recall Frequency | 9 months | 9 months | 6 months | |||||||||
| Basic Services | Plan pays 80%, subject to annual max. | Plan pays 80%, subject to annual max. | Plan pays 80%, subject to annual max. | |||||||||
| Comprehensive Basic Services | Not included | Plan pays 80%, subject to annual max. | Plan pays 80%, subject to annual max. | Plan pays 80%, subject to annual max. | ||||||||
| Major Services | Not included | Available in Year 3 — Plan pays 50%, subject to annual max. | Available in Year 3 — Plan pays 60%, subject to annual max. | |||||||||
| Orthodontic Services | Not included | Not included | Available in Year 3 — Plan pays 60%, subject to lifetime max of $2,000 | |||||||||
| VISION CARE (benefits per person) | ||||||||||||
| Vision Care Prescription eyeglasses, contact lenses, laser eye surgery |
$150 every 2 years | $200 every 2 years | $250 every 2 years | $300 every 2 years | ||||||||
| Eye Examination | $50 every 2 years | $50 every 2 years | $65 every 2 years | $80 every 2 years | ||||||||
| EXTENDED HEALTH CARE (benefits per person) | ||||||||||||
| Professional Services/Registered Therapists | ||||||||||||
| Chiropractor, Chiropodist/Podiatrist, Naturopath, Osteopath, Physiotherapist | $20 per visit, 15 visits per practitioner, per year | $300 per practitioner, per year | $400 per practitioner, per year | $600 per practitioner, per year; up to $1,200 per year combined | ||||||||
| Massage Therapist, Acupuncturist | $20 per visit, 15 visits per practitioner, per year | $20 per visit, 15 visits per practitioner, per year | $20 per visit, 20 visits per practitioner, per year | $30 per visit, 20 visits per practitioner, per year | ||||||||
| Psychologist/Registered Social Worker | $600 per year, combined | $600 per year, combined | $600 per year, combined | $600 per year, combined | ||||||||
| Speech Therapist | $300 per year | $300 per year | $400 per year | $600 per year | ||||||||
| Accidental Dental | $2,500 per year | 5,000 per year | 10,000 per year | 10,000 per year | ||||||||
| Ambulance Transportation | Includes land and air | Includes land and air | Includes land and air | Includes land and air | ||||||||
| Hearing Aids | $300 every 4 years | $400 every 4 years | $500 every 4 years | $600 every 4 years | ||||||||
| Medical Services Diagnostic tests and x-rays, dialysis equipment, laboratory tests |
$2,000 per year | $2,000 per year | $2,000 per year | $2,000 per year | ||||||||
| Medical Items and Home Support Services (in home nursing) Separate maximums for Medical Items and Home Support Services |
$1,500 per benefit category, per year | $2,500 per benefit category, per year | $5,000 per benefit category, per year | $5,000 per benefit category, per year | ||||||||
| HOSPITAL ACCOMMODATION (benefits per person) | ||||||||||||
| Semi-Private and/or Private Benefit pays the difference between standard ward charges and semi-private and/or private accommodation in a public general hospital | $200 per day 30 days max. per year |
$200 per day 30 days max. per year |
$200 per day 30 days max. per year |
$250 per day 30 days max. per year |
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| TRAVEL (benefits per person) | ||||||||||||
| Emergency Medical Travel Coverage Out of Province/Country | 10 days per trip $5,000,000 per year |
10 days per trip $5,000,000 per year |
15 days per trip $5,000,000 per year |
15 days per trip $5,000,000 per year |
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