The Best Health Insurance in Saskatchewan Is a Combination of Public + Private

Editorial Team
Edited by: Jessica Barrett
Content Marketing Manager
Updated
January 14, 2026
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This page is from a series that covers key information about health insurance across different provinces within Canada.

  1. Alberta
  2. British Columbia
  3. Manitoba
  4. Newfoundland & Labrador
  5. New Brunswick
  6. Nova Scotia
  7. Ontario
  8. Quebec
  9. Saskatchewan
Key Takeaways
  • The Guaranteed Issue Classic plan from PolicyMe offers a wide range of healthcare coverage with competitive pricing for residents of Saskatchewan.
  • Saskatchewan Health covers certain medically necessary services, but not most dental and vision care, paramedical services, or extended health benefits for adults.
  • Saskatchewan households could save over $1,500 per year by purchasing a private health insurance plan.
  • GreenShield Insurance and GMS also offer strong private health insurance options in Saskatchewan.

Health insurance in Saskatchewan 101

What’s covered by the government: Saskatchewan’s provincial healthcare plan covers medically necessary physician and hospital services, along with certain paramedical services such as physiotherapy and occupational therapy, STI treatment, HIV testing, and treatment for substance abuse and problem gambling. Saskatchewan residents receiving income support and their dependents may also be eligible for coverage of certain routine dental, vision, and prescription drug services. 

What’s not: Unless you qualify for special benefits based on income or disability, you likely don’t have coverage for prescription drugs, dental and vision care, most paramedical wellness services, or extended healthcare through Saskatchewan Health. A private health insurance plan can fill in these coverage gaps.

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How private health insurance fills Saskatchewan’s coverage gaps

A custom, private healthcare plan can cover exactly the things that Saskatchewan’s public coverage leaves out: vision, dental, prescription drugs, and paramedical. You don’t pay extra for services you don’t need, and you save money on out-of-pocket costs.

What’s the best health insurance in Saskatchewan?

We’ve identified the best private health insurance plans in Saskatchewan by analyzing over 1,700 quotes covering 50+ private health insurance products from the seven biggest providers in Canada, sourced from official product websites and supplemented with customer ratings from Google.

To identify the best plans for the average household in Saskatchewan, we focused on plans with: 

  • Excellent coverage for adults: Adults aged 18–14 are most overlooked by government health care coverage, making them prime candidates for private health insurance. 
  • Complete coverage: We prioritized insurance options that include coverage for both prescription drugs and dental services in addition to other extended health benefits. 
  • Mid-tier pricing: We focused on plans with mid-range pricing that’s competitive in the industry in order to deliver the highest value for the largest number of Canadians. 
  • Non-replacement plans: We’ve recommended plans designed for Canadians without existing workplace health benefits, rather than those seeking to replace previous employer-sponsored plans.  
Rating
Company
Plan
Premiums*
Coverage**
★★★★★ (5.0)
PolicyMe
Classic
$91/month
33% above industry average
★★★★☆ (4.0)
GreenShield
ZONE 5 (Choice)
$117/month
20% above industry average
★★★★☆ (4.0)
GMS
ExtendaPlan with Basic Prescription Drugs and Dental Care
$76/month
33% below industry average
★★★★☆ (4.0)
ScotiaLife
Health Insurance Plan with Dental Insurance Plan
$95/month
44% below industry average
★★★★☆ (4.0)
Manulife
ComboPlus Basic Plan
$100/month
43% below industry average

* Premiums reflect the approximate monthly cost for an 18-year-old adult living in Saskatchewan. 

** Comparison reflects the total amount of prescription drug, dental, vision, paramedical, mental health, accidental dental, and ambulance coverage versus the industry average for comparable plans.

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1. Guaranteed Issue Classic from PolicyMe

PolicyMe
Classic
Rating
★★★★★ (5.0)
Premiums*
$91/month
Drug coverage
70% of generic prescription drugs (up to $600 per year)
Pre-existing prescription coverage
Yes
Dental coverage
Up to 80% of preventative, restorative, and major dental services (up to $750 per year)
Vision coverage
100% of vision services every 2 years (up to $60 for eye exams and $250 for prescription lenses, frames, and laser surgery)
Paramedical coverage
80% of visits to 9 paramedical professionals (up to $750 per year combined)
Mental health coverage
100% of visits to mental health professionals (up to $100 per visit and $800 combined per year)
Accidental dental coverage
100% of accidental dental services (up to $10,000 per year)
Ambulance coverage
100% of ground and air ambulance transportation (unlimited)

* Premiums reflect the approximate monthly cost for an 18-year-old adult living in Saskatchewan. 

Our expert take: PolicyMe’s Guaranteed Issue Classic plan is a good fit for residents of Saskatchewan with low prescription needs who want affordable coverage for dental and paramedical services, such as chiropractor visits or physiotherapy. The plan offers flexible and generous paramedical coverage—a rarity at this price point—and competitive premiums and annual maximums for dental care after the first year.

  • 30-day money-back guarantee
  • Above-average dental, paramedical, and accidental dental coverage
  • Includes access to online health forums
  • No medical questionnaire required
  • Below-average prescription drug coverage
  • No add-ons available

See how affordable health insurance can be with PolicyMe.*

2. ZONE 5 (Choice) from GreenShield

GreenShield
ZONE 5 (Choice)
Rating
★★★★☆ (4.0)
Premiums*
$117/month
Drug coverage
90% of generic and birth control prescription drugs (up to $5,000 per year)
Pre-existing prescription coverage
No
Dental coverage
Up to 80% of preventative, restorative, and major dental services (up to $700 per year)
Vision coverage
100% of vision services every 2 years (up to $100 for eye exams and $150 for prescription lenses, frames, and laser surgery)
Paramedical coverage
100% of visits to 8 paramedical professionals (up to $45 per visit and $500 per profession)
Mental health coverage
100% of visits to mental health professionals (up to $500 combined per year)
Accidental dental coverage
100% of accidental dental services (up to $10,000 per year)
Ambulance coverage
100% of ground and air ambulance transportation (unlimited)

* Premiums reflect the approximate monthly cost for an 18-year-old adult living in Saskatchewan.

Our expert take: For seniors in Saskatchewan, GreenShield’s ZONE 5 (Choice) plan takes a competitive edge with excellent premiums and good coverage for paramedical services, accidental dental insurance, and travel medical insurance. The major weak point in this plan is prescription drug coverage, which excludes pre-existing prescriptions.

  • Below-average premiums for older adults and seniors
  • Includes access to GreenShield Pharmacy, 4 hours of virtual counselling through GreenShield Mental Health, and 4 virtual visits per year through GreenShield Telemedicine
  • Includes travel insurance and semi-private or private hospital accommodations
  • Below-average prescription drug, dental, and mental health coverage

Available products from GreenShield: 

  • LINK 1, 2, 3, and 4: A series of replacement health insurance plans with complete and no-dental options.
  • ZONE 1, 2, and 3 and Zone Fundamental: A series of guaranteed health insurance plans with complete and no-drug options.

ZONE 4, 5, 6, and 7: A series of underwritten health insurance plans with complete and no-dental options.

3. ExtendaPlan with Basic Prescription Drugs and Dental Care from GMS

GMS
ExtendaPlan with Basic Prescription Drugs and Dental Care
Rating
★★★★☆ (4.0)
Premiums*
$76/month
Drug coverage
100% of generic and birth control prescription drugs (up to $3,500 per year), with a maximum co-payment of $6 per prescription
Pre-existing prescription coverage
No
Dental coverage
Up to 75% of preventative and major dental services (up to $500 per year)
Vision coverage
80% of vision services every 2 years (up to $250 combined for eye exams and prescription lenses and frames)
Paramedical coverage
80% of visits to 8 paramedical professionals (up to $350 per year combined)
Mental health coverage
100% of visits to mental health professionals (up to $65 per visit and 10 visits combined per year)
Accidental dental coverage
100% of accidental dental services (up to $2,000 per injury)
Ambulance coverage
100% of ground and air ambulance transportation (unlimited)

* Premiums reflect the approximate monthly cost for an 18-year-old adult living in Saskatchewan. 

Our expert take: Out of GMS’s three highly customizable health and dental insurance plans, the ExtendaPlan with drugs and dental is the best fit for shoppers in Saskatchewan. It’s a decent budget pick ideal for those who don’t visit paramedical or mental health professionals often but who need reliable coverage for prescription drugs at an affordable price.

  • 5 optional add-ons available
  • Above-average prescription drug coverage
  • Below-average premiums for all ages
  • Direct billing and online claims
  • Includes access to the GMS Care Network
  • Includes travel insurance (Saskatchewan only)
  • $6 deductible per prescription
  • 3-month waiting period may apply for dental care
  • Below-average dental, vision, paramedical, and mental health coverage

Available products from GMS: 

  • BasicPlan, ExtendaPlan, and OmniPlan: A series of guaranteed, no-drug health insurance plans with complete coverage options.
  • EssentialPlan, ChoicePlan, and PremierPlan: A series of replacement health insurance plans with no-drug and complete coverage options.

4. Health Insurance Plan with Dental Insurance Plan from ScotiaLife

ScotiaLife
Health Insurance Plan with Dental Insurance Plan
Rating
★★★★☆ (4.0)
Premiums*
$95/month
Drug coverage
75% of generic, brand-name, birth control, and smoking cessation prescription drugs (up to $10,000 per year)
Pre-existing prescription coverage
Yes
Dental coverage
Up to 75% of preventative dental services (up to $500 per year)
Vision coverage
100% of vision services every 2 years (up to $150 for prescription lenses, frames, and laser surgery, including a $50 limit for eye exams)
Paramedical coverage
75% of visits to 10 paramedical professionals (up to $25 per visit and 12 visits per profession each year)
Mental health coverage
75% of visits to mental health professionals (up to $25 per visit, 12 visits per year, and $800 combined per year, including visits to paramedical professionals)
Accidental dental coverage
75% of accidental dental services (up to $2,000 per year)
Ambulance coverage
75% of ground ambulance transportation (unlimited) and 100% of air ambulance transportation (up to $10,000 per year)

* Premiums reflect the approximate monthly cost for an 18-year-old adult living in Saskatchewan. 

Our expert take: If you’re already a Scotiabank customer, you may want to consider the benefits of this plan, a straightforward health and dental option sold through ScotiaLife. The plan offers low premiums with coverage to match. While the dental add-on makes this policy fairly comprehensive, your coverage will be limited by low per-visit limits for paramedical care, incomplete reimbursement for ambulances, and long waiting periods for both dental and vision care. 

  • 30-day money-back guarantee
  • 1 optional add-on available
  • Above-average prescription drug and mental health coverage
  • Below-average premiums for all ages
  • Includes semi-private hospital accommodations
  • 3-month dental waiting period
  • 1-year vision waiting period
  • Below-average dental and vision coverage
  • Only available to Scotiabank customers, their spouses, and dependents 64 and under

Available products from ScotiaLife: 

  • Health Insurance Plan: A guaranteed no-dental health insurance plan with a single dental option available only to Scotiabank customers, their spouses, and dependent children

5. ComboPlus Basic Plan from Manulife

Manulife
ComboPlus Basic Plan
Rating
★★★★☆ (4.0)
Premiums*
$100/month
Drug coverage
70% of generic prescription drugs (up to $5,000 per year)
Pre-existing prescription coverage
Yes
Dental coverage
Up to 80% of preventative and restorative dental services (up to $750 per year)
Vision coverage
100% of vision services every 2 years (up to $70 for eye exams and $250 for prescription lenses, frames, and laser surgery)
Paramedical coverage
60% of visits to 8 paramedical professionals (up to $500 per profession and $4,000 per year combined)
Mental health coverage
100% of visits to mental health professionals (up to $65 per visit and 15 visits combined per year)
Accidental dental coverage
100% of accidental dental services (up to $2,000 per year)
Ambulance coverage
100% of ground and air ambulance transportation (unlimited)

* Premiums reflect the approximate monthly cost for an 18-year-old adult living in Saskatchewan. 

Our expert take: Families with low dental and prescription drug needs may find a good fit in Manulife’s ComboPlus Basic Plan, which features competitive premiums for kids in Saskatchewan along with excellent mental health coverage and virtual care benefits. Just keep in mind that if you want to claim up to the maximum of dental coverage, you’ll end up paying nearly twice the out-of-pocket costs compared to the industry average. 

  • 7 optional add-ons available
  • Above-average mental health coverage
  • Below-average premiums for children
  • Includes access to TELUS Health Virtual Care and survivor benefit
  • Includes accidental death and dismemberment insurance and travel insurance
  • Below-average prescription drug coverage
  • High out-of-pocket dental costs

Available products from Manulife: 

  • Flexcare ComboPlus Starter, Basic, and Enhanced Plan: A series of complete health insurance plans with guaranteed options.
  • Flexcare DentalPlus Basic and Enhanced Plan: A pair of guaranteed, no-drug health insurance plans.
  • Flexcare DrugPlus Basic and Enhanced Plan: A pair of no-dental health insurance plans.
  • FollowMe Basic, Enhanced, Enhanced Plus, and Premiere Plan: A series of complete replacement health insurance plans.
  • Guaranteed Issue Enhanced: A complete, premium health insurance plan with guaranteed acceptance.

Compare the top 3 private health insurance plans in Saskatchewan

PolicyMe
GreenShield
GMS
Plan
Classic
ZONE 5 (Choice)
ExtendaPlan with Basic Prescription Drugs and Dental Care
Rating
★★★★★ (5.0)
★★★★☆ (4.0)
★★★★☆ (4.0)
Medical questions required
No
Yes
No
Premiums*
$162/month
$149/month
$126/month
Drug coverage
70% of generic prescription drugs (up to $600 per year)
90% of generic and birth control prescription drugs (up to $5,000 per year)
100% of generic and birth control prescription drugs (up to $3,500 per year) with a maximum co-payment of $6 per prescription
Pre-existing prescription coverage
Yes
No
No
Dental coverage
Up to 80% of preventative, restorative, and major dental services (up to $750 per year)
Up to 80% of preventative, restorative, and major dental services (up to $700 per year)
Up to 75% of preventative and major dental services (up to $500 per year)
Vision coverage
100% of vision services every 2 years (up to $60 for eye exams and $250 for prescription lenses, frames, and laser surgery)
100% of vision services every 2 years (up to $100 for eye exams and $150 for prescription lenses, frames, and laser surgery)
80% of vision services every 2 years (up to $250 combined for eye exams and prescription lenses and frames)
Paramedical coverage
80% of visits to 9 paramedical professionals (up to $750 per year combined)
100% of visits to 8 paramedical professionals (up to $45 per visit and $500 per profession)
80% of visits to 8 paramedical professionals (up to $350 per year combined)
Mental health coverage
100% of visits to mental health professionals (up to $100 per visit and $800 combined per year)
100% of visits to mental health professionals (up to $500 combined per year)
100% of visits to mental health professionals (up to $65 per visit and 10 visits combined per year)
Accidental dental coverage
100% of accidental dental services (up to $10,000 per year)
100% of accidental dental services (up to $10,000 per year)
100% of accidental dental services (up to $2,000 per injury)
Ambulance coverage
100% of ground and air ambulance transportation (unlimited)
100% of ground and air ambulance transportation (unlimited)
100% of ground and air ambulance transportation (unlimited)

* Premiums reflect the approximate monthly cost for an 18-year-old adult living in Saskatchewan.

How much does health insurance in Saskatchewan cost?

The cost of health insurance in Saskatchewan depends on your age, the plan you select, and whether or not you’re also insuring a partner or children. 

On average, households in Saskatchewan spent $715 on health and dental premiums in 2023—and $2,407 in out-of-pocket medical expenses, for a total of $3,264 in healthcare spending. By purchasing a personal health insurance plan, Saskatchewan families could reduce out-of-pocket spending by $1,000 or more. For instance, PolicyMe’s Guaranteed Issue Classic plan—our top pick in Saskatchewan—could save households an average of $1,527.50 per year. 

As for what you’ll pay, here’s a comparison of monthly health insurance quotes for the top 3 health insurance policies in Saskatchewan:

PolicyMe
Guaranteed Issue Economic
Guaranteed Issue Classic
Advanced
Kids (0–4)
$34.18
$36.92
$48.52
Kids and youth (5–20)
$49.04
$54.85
$76.10
Adults (21–44)
$78.39
$90.68
$114.69
Adults (45–54)
$91.25
$109.38
$140.21
Adults (55–59)
$106.38
$120.42
$152.58
Adults (60–64)
$117.48
$131.21
$164.62
Seniors (65+)
$105+
$120.70+
$151.46+

* Prices reflect the approximate costs for residents in the relevant age group in Saskatchewan. They are current as of December 2025.

What does Saskatchewan Health cover?

Saskatchewan Health fully covers the following community and medical services for all residents who hold a valid Saskatchewan Health card.  

  • Medically necessary services provided by a physician, whether as inpatient or outpatient services
  • Physiotherapy and occupational therapy provided through hospitals, care homes, community agencies, or private clinics that have a contract with Saskatchewan Health
  • Screening mammography for women aged 50 to 69
  • Immunization services, including annual influenza vaccines for all Saskatchewan residents aged 6 months and up, as well as vaccines for children
  • Sexually transmitted infection (STI) treatment through STI clinics in Regina, Saskatoon, and Prince Albert or through a private physician
  • HIV antibody testing through a clinic in Regina, Saskatoon, or Prince Albert or through a private physician
  • Alcohol and drug abuse treatments and services provided to patients and families through the Saskatchewan Health Authority and the Metis Addictions Council of Saskatchewan Incorporated
  • Mental health services provided through the Saskatchewan Health Authority
  • Problem gambling services provided through the Saskatchewan Health Authority to individuals and families

In addition to fully covered medical and community services, Saskatchewan Health offers partial coverage to residents for services including ambulance transport, home care, long-term care, dental care, vision services, prescription drugs, and more. Residents can also access Saskatchewan Health coverage for medical care received in other provinces, but medical care received outside of Canada is reimbursed at the rate of those services provided in Saskatchewan, which typically means individuals will incur some out-of-pocket costs. 

For more information about the medical services that are only partially covered by Saskatchewan Health, consult the table below.

Benefit
Saskatchewan Health
Prescription Drugs
CHILDREN (0–14): $25 per prescription for drugs listed on the Saskatchewan Formulary and Exception Drug Status (Children's Drug Plan)

EVERYONE with a terminal illness & prognosis under 1 year: 100% coverage of prescription drugs, select over-the-counter drugs, dietary supplements, and other supplies (Palliative Care Drug Program)

EVERYONE who is a registered cancer patient: 100% of prescription drugs covered by the Saskatchewan Cancer Agency
Dental
* EVERYONE receiving certain oral surgeries to treat conditions caused by accidents, infections, or congenital problems
* EVERYONE receiving orthodontic services to treat cleft palate when referred by a physician or dentist
* EVERYONE in need of medically required tooth extractions or dental implants in limited circumstances
Vision
CHILDREN (0–17): 1 eye exam per year (SH)
EVERYONE with Type 1 or Type 2 diabetes: 1 eye exam per year (SHB)
Ocular emergencies due to injuries or foreign bodies: Eye exam as needed
Home care
EVERYONE: 100% coverage of assessment/case management, home nursing, and physical/occupational therapy
EVERYONE: Income-based coverage of homemaking, meals, and home maintenance
Extended health
EVERYONE referred by an authorized health care professional due to physical disability:
Coverage for prosthetics, orthotics, respiratory equipment, home oxygen, and special benefits programs as needed (Saskatchewan Aids to Independent Living)

The province also offers the following health benefits for Saskatchewan residents in low-income households:

  • CHILDREN (0–17) in low-income families: 100% of prescription drugs on the SF; 100% of preventive, restorative, exodontic, and prosthetic dental services; 1 eye exam/year, 1 pair of eyeglasses, and emergency ambulance transportation (Family Health Benefits), plus podiatry and foot care visits (Supplementary Health Benefits)
  • ADULTS (18–64) in low-income families: 65% of prescription drugs on the SF after a $100 semi-annual family deductible; 1 eye exam every 2 years (FHB)
  • SENIORS (65+) with a net income of $79,500 or less: $25 per prescription drug listed on the SF or EDS (Seniors’ Drug Plan)
  • SENIORS (65+) receiving Guaranteed Income Supplements: 65% of prescription drugs on the SF after a $200 semi-annual deductible ($100 if living in a special care home), plus 1 eye exam/year, reduced deductible, and supplementary benefits (if in a special care home). If combined with the SDP, recipient pays the lesser of $25 or 35% of prescription costs.
  • SENIORS (65+): Maximum $135 per ground ambulance trip (Senior Citizen’s Ambulance Assistance)
  • EVERYONE with high prescription drug costs relative to income: 0–99% coverage (based on income) with a semi-annual deductible calculated at 3.4% of household income; coverage rate may increase to 35% after the deductible is met (Special Support Program)
  • EVERYONE receiving income support: 100% of prescription drugs on the SF, EDS, and select over-the-counter drugs and supplies (max. $2 co-pay); 100% of prescribed medical supplies and appliances; 100% of hearing aids and services (70% for clients 20+); and 100% of emergency dental care for pain or infection (Plan One, Two, or Three of the SHB)
  • EVERYONE requiring immediate prescription treatment and financial assistance: Income-based access to a one-time reduced-cost supply of prescription drugs (up to 1 month) (Emergency Assistance)

How to find the best health insurance for you

While we think our three recommendations can meet the needs of most individuals and families in Saskatchewan, no single health insurance provider or plan is right for everyone. Follow the steps below to find the best option for you: 

  1. Take stock of your current coverage: What health insurance benefits do you currently have access to, and are you utilizing them fully? Think about public healthcare, a group benefits plan that you or your spouse may have access to, and any other programs you qualify for. 
  2. Track your current medical spending: Go back through your records, receipts, and inboxes to estimate the total amount you spent on medical services not covered by insurance in the past 12 months. 
  3. Consider any anticipated medical expenses: If you’re expecting to need major dental work, paramedical services, or other medical care not covered by your current insurance in the next few years, try to estimate the total cost of these services. 
  4. Calculate your coverage gap: Add the total of your current spending to your anticipated spending and divide the resulting figure by 12 to get the monthly out-of-pocket coverage gap a private health insurance plan would need to cover. 
  5. Request quotes: Look for private insurance plans that match your coverage needs and request quotes for each policy. Compare your monthly quoted premiums with your coverage gap to determine how much you could save by purchasing a policy. 

The health insurance companies featured on this page may be a great starting point in your search, but they’re not the only options for residents of Saskatchewan. Keep your unique healthcare needs in mind when shopping for the best health insurance for you and your family. 

Now is also a great time to consider other types of insurance for your family—think life insurance, critical illness coverage, or disability insurance—as many providers offer discounts on bundled policies.

FAQ: Best health insurance in Saskatchewan

Our mission is to empower Canadians to make informed financial decisions. To achieve this, we have an expert editorial team that includes licensed insurance advisors and financial planners. We prioritize the best interests of Canadian families and won't endorse any product, company or financial strategy that we believe isn't suitable. Our educational guides are crafted by in-house experts, like licensed life insurance advisors. Before publication, we subject our research and advice to scrutiny and comprehensive revisions for accuracy and completeness.

Our mission is to empower Canadians to make informed financial decisions. To achieve this, we have an expert editorial team that includes licensed insurance advisors and financial planners. We prioritize the best interests of Canadian families and won't endorse any product, company or financial strategy that we believe isn't suitable. Our educational guides are crafted by in-house experts, like licensed life insurance advisors. Before publication, we subject our research and advice to scrutiny and comprehensive revisions for accuracy and completeness.

Prices listed on this page are based on information available as of October 2025. The prices shown are for general reference only and may vary based on factors like your age, location, and product selection.