Green Shield Canada

Green Shield Canada

Green Shield Canada (GSC) has been Canada’s only nation-wide not-for-profit specialist in providing health and dental benefits since 1957.

Green Shield Canada
Founded1957
HeadquartersWindsor, Ontario
Employees501-1000
Canadian Mkt. Share0.86% (2016)
Products*Health & Dental Insurance
Provinces LicensedAB, BC, MB, NB, NL, NWT, NS, NU, ON, PEI, QC, SK, YT
*Insurance coverage and availability may vary by province. Speak with your broker for details.

Company Overview

GSC provides Canadians with supplemental health and dental coverage at affordable rates through a variety of different plans. They focus on friendly, fast service, as well as information and tools to help their clients understand their coverage.

Canadians choose GSC because of their extensive benefits packages and the advantages of trusting a not-for-profit provider for additional medical and dental coverage, such as:

  • Medical & Dental coverage options through eleven different packages
  • Customer-first product design, service, and business structure
  • Easy to access information, tools, and claims filing through an online portal, mobile app, or through live support

GSC has established itself as a provider of client-friendly coverage and rates that reflect its goal to protect Canadians and respect their finances. Its different coverage plans are each designed with your potential needs in mind, and paying GSC premiums may qualify for a tax credit or tax exemption.


Green Shield Canada Advantages

Green Shield’s greatest advantage is also central to its history and a guiding force in its mission as a not-for-profit organization. GSC is built on the belief that Canadians should never have to choose to forgo needed healthcare, medicine, or dental work because they cannot afford the cost. Its various coverage packages allow you as a customer to find the policy that works best for you. GSC aims to provide you with everything you need, to understand your policy as well as to take care of your own health and wellness.

  • A wide selection of coverage packages: Green Shield Canada offers a variety of packages, all of which include vision care, emergency medical travel expenses, registered specialists and therapists, and 24/7 toll-free legal advice on your coverage and health options.
  • Multichannel support: 24 hr live assistance as well as a mobile app for access to your benefits. The GSC on the Go® mobile app allows you file claims, keep up to date on your coverage, and make full use of your benefits as you see fit.
  • An Online health management portal: GSC’s Change4Life™ rewards-based health management program offers web-based health tracking tools and resources that help to track your health choices. Points for healthy living decisions can be redeemed to enter draws and for gift cards.
  • Deductible Premiums: If you’re a small business-owner, a contractor, or a freelancer then your premiums may be tax-deductible.

Green Shield Canada Insurance Products

GSC offers two distinct benefit package types, ZONE and LINK, each with a variety of different coverage options, through their SureHealth™ plans. They also offer GSC Health Assist™ plans that are provided through an advisor, and Prism plans offered in partnership with Special Benefits Insurance Services to bridge any gaps in your existing coverage and ensure you are protected for any health or dental expense.

GSC SureHealth™ ZONE – Health & Dental Coverage

GSC offers four unique SureHealth ZONE plans intended for small business owners, contractors, freelancers, seasonal and other independent workers so that your provincial healthcare coverage is supplemented in case of any unexpected, often expensive healthcare or dental costs that are not included.

  • Choose from 7 different ZONE plans to find the package of benefits that suits you
  • All include vision care, extensive specialist and therapist coverage, emergency travel coverage, and lifetime coverage
  • Bundled benefit selection to find the additional coverage options you want like prescription drug coverage or dental care
  • Guaranteed acceptance on some bundles available, no medical questionnaires or background needed
  • Free access to CChange4Life™

GSC’s SureHealth LINK plans are intended for clients who are coming off of an existing group benefits plan, such as retirement, loss of employment, or new employment without coverage. LINK has the guaranteed health coverage you need in case of any medical or dental emergency, with all the benefits that make GSC’s plans a good choice.

  • All LINK plans include guaranteed acceptance for anyone coming off of group employee benefits
  • Coverage for any and all pre-existing conditions
  • Semi or fully private accommodations should you need a hospital stay
  • All include vision care, extensive specialist and therapist coverage, emergency travel coverage, and lifetime coverage
  • Free access to Change4Life™

  • Options to include dental coverage with several plans

GSC Health Assist Plans™

The GSC Health Assist program puts customers in contact with a Green Shield advisor who can help you build a plan with the great coverage options you need

  • Contact an advisor with your personal needs
  • Find specific coverage suitable to you and your situation
  • Fast, efficient response from helpful experts
  • Perks and benefits of being a GSC customer with a custom-fitted coverage plan
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Green Shield Canada
Head Office:
8677 Anchor Drive, P.O Box 1606, Windsor, ON N9A 6W1, Canada
Claims & Customer Service: 1-888-711-1119

Green Shield Canada Reviews

Rated 0.95 stars
0.95 / 5 (11 )

0%


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    User: 10%
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  • Claims Process
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  • Document delivery
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K
Rating: 3
3 /5 stars

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Worst insurance company i have ever had the displeasure of being "covered" by

on 2019-05-16 16:56:51

They are simply terrible. They audit every submission, question the decisions you make with your doctor in terms of treatment for every medical condition - including debilitating ones, and do their best to not honour what you are supposed to be covered. Insulting and greedy with no accountability.



Lisa
Rating: 1
1 /5 stars

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Worst Customer Service!!

on 2019-04-26 16:31:37

Disabled my account stating that I did not submit a receipt to prove a claim. When I told them that I never received any notification that I needed to submit a receipt they blamed me for the error and insisted that I would have gotten several notifications. When I sent a screen shot of my account that clearly stated “Good News. You have no claims requiring additional information” they reactivated my account and threatened me that if this were to happen again my account would be permanently disabled. There was zero apology or responsibility taken on their part for their error and they continued to behave as if I was at fault for their error. Very poor customer service and no follow up on their part I had to call twice before anyone could help me. Zero accountability on their part for their error.



Shannon
Rating: 0.5
0.5 /5 stars

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Denied a life-saving drug for a baby

on 2019-04-26 03:35:11

I am in the middle of adopting a baby. She supposedly has drug coverage through Greenshield as paid by the Children’s Aid Society. They have denied her coverage for her heart medication required for her to live. I guess I will invite Greenshield to her funeral? My old work insurance had no issue covering this medication. My new work insurance is Greenshield. I’m bringing this issue to their attention. Hopefully we can switch providers.



Henrietta
Rating: 0.5
0.5 /5 stars

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Worst Insurer to deal with

on 2019-04-16 20:56:11

This has been a nightmare since the get go. Every submission made is contested and audited to the point where you don't want to make a claim as it will take 2-3 hours to jump through all their hoops and whistles. Their website is a nightmare. Worst experience I have ever had. Their site says responses in 7 days - it took over 3 weeks.



T Trang
Rating: 1
1 /5 stars

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Worst Insurance in Canada

on 2019-04-12 07:07:09

This is by far the worst insurance I have had comparing with Sun Life and Great West Life. Support claim online for drugs very poorly design. It takes a lot of time consuming to claim meds if this insurance is not your primary insurance or for your partner using it. They ignore what you marked on claims (e.g: if you marked NO on other insurance. They still ignore it and not pay and request to claim with other insurance). The process for claims takes a while to pay or not pay (mostly not pay with ridiculous excuses). You need doctor prescription to claim massages. If this is the second insurance, the company more likely ignore and not pay leftover unpaid amount or pay very low. Not recommend.



Paul
Rating: 2
2 /5 stars

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Don’t buy this insurance.

on 2019-03-25 18:07:53

When I signed up for this insurance I was promised that my payments would stay the way they are.
This is not the case. However benefits do! Figure that one out. When I asked them why my rate is increasing and my benefits stay the same, they could not answer the question.The only thing they said I could pick another plan.
They require PRESCRIPTION for a massage!!! …and cover only $25 per visit. What’s the point???
I have been with them for about 5 years and run the numbers for the last year. I wasted about 45 percent. You are better off to put the $ in the savings account and use when you need it. Cover all 100 percent, not 40 to 80 and you don’t have to provide prescriptions. Finally it’s your money and your insurance doesn’t have to tell you whether it needs to be covered or not.
Don’t waste your money on Green Shield.



Tim Stewart
Rating: 0.5
0.5 /5 stars

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GSC Cant be trusted

on 2019-02-08 00:53:16

I am consumed with anger and frustration with GSC. I submitted a claim Dec. 13/18 for chiropractic services on Nov. 7/18. On Jan. 7 I received my statement for but saw there was an error as I was not paid. I called and was curtly told that I have to pay the $250 deductible. I said I paid the deductible mid 2018. Also, I received payment for services on Nov. 13 so I should have been paid for Nov. 7. They admitted there was an error and was put on hold but got disconnected. Called back and a guy said they would make the correction and I would be paid in a few days. After a week no payment so I called and another woman bluntly said we are working on the problem and you will be paid shortly. No further explanation. After that I sent an email to GSC about the problem but never got a reply. I called back again after a week and was told the same thing. About 10 days ago I called again and this time a woman told me there is a glitch in their software and it is affecting people in the public sector; I am not the only one affected. I asked is the claim for Nov. 7 the only claim that is affected by the software glitch? She said yes but that I would receive payment in a few days. After 10 days no payment. Yesterday I sent an email to the complaint officer giving some suggestions so I get paid. No response. I said if I do not at least get a reply to my email I would file a complaint with the BBB and contact the GSC ombudsman.
I read a number of very negative reviews and I can identify with all of them. Now I am beginning to think they are lying to me and have no intention of paying me what I am entitled to. This is not the first time I have had problems with GSC. One claim was not processed because they needed more information. I emailed them asking what information do you need. They gave me the same vague answer. I sent them an angry email demanding what is the problem. They said the needed to verify the service provider (chiropractor). I explained I have used this chiropractor for years and you have processed a number of claims where he was the service provider and no problem. After several months of them telling me this I practically went ballistic and sent them the most scathing email. They finally admitted that they needed to set him up in the system with a new address because the chiropractor has several offices. The idiots at GSC held up my claim for almost 5 months just to set up another address for my chiropractor in their system. It seems others are correct about GSC and you cant believe what they tell you. They do make you jump through hoops and frustrate the hell out of you. I am fed up with GSC but there is nothing I can do. They know I am at their mercy and they just dont care.



Janice Walker
Rating: 0.5
0.5 /5 stars

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Worst insurance ever!

on 2018-12-06 21:59:02

Makes vague and ambiguously worded coverage statements. I had a drug that was previously covered and all of a sudden, out of nowhere they decided to change their minds and revoke coverage over the last year and a half, claiming that it was an oversight and should not have been covered. The medication is a bit expensive, so Greenshield has decided to change the rules in their favour. Very shady!

Mitchell & Whale Team
on 2018-12-12 11:17:18

This is concerning practice to hear about. It would be much nicer if it was the monopoly game chance card that read bank error in your favor. The complicated wording is certainly an industry problem that it needs to tackle. Not an easy problem by any means, but many companies are now venturing to make their wordings in "plain language".



pissedoff guy
Rating: 0.5
0.5 /5 stars

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worst coverage provider

on 2018-11-13 00:14:29

They suck and are a pain in the a** to deal with, no human element with this company, be set for frustration and upset. They care nothing about mental component of life!!! Can u jump thru hoops??

Mitchell & Whale Team
on 2018-12-12 17:37:47

This seems like a really bad situation. Wouldn't it be great to see a little accountability for the mistake that happened wherever it did? Did you find out what happened?



Jill
Rating: 0.5
0.5 /5 stars

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Awful!!!!!

on 2018-07-12 02:45:16

They find any excuse to not pay claims. Make you jump through hoops before they approve claims only to decline again and ask for more and more paper work. Totally screwed me over several times leaving me stranded without important medication when I went for a refill. Never had a single issue with any other insurance company I’ve delt with in regards to these medications. I can’t believe they can treat people this way and sleep at night.



James
Rating: 0.5
0.5 /5 stars

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Shady Fly-By-Night Outfit

on 2018-05-15 21:18:18

I am beginning to think the Russians own this company. I dealt with Blue Cross for over 20 years and NEVER had a problem. GS on the other hand has been the polar opposite! A molar that was 90% filling that lasted 5 years but was recommended for a crown was refused coverage for a much needed crown is only one example.
Don't waste your money!

Mitchell & Whale Team
on 2018-12-12 22:50:30

Sorry to hear about this experience. Hopefully you found a better provider?



Sue
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on 2018-02-28 20:16:54

Beware!! Don't buy insurance with this company. They're cheap and will do everything not to pay out.

Mitchell & Whale Team
on 2018-12-12 23:26:14

This is too bad to keep reading this.



GT
Rating:
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on 2018-02-27 20:37:34

This company is anything but the company you describe with glowing accolades. It penny-pinches the clients it supposedly covers. WHO owns this company ?? Yeah yeah it’s a non-profit company apparently, but WHO owns it ?

Mitchell & Whale Team
on 2018-12-12 23:27:40

Great questions and sorry to hear about the penny pinching.



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