Is GEMS a comprehensive medical aid?
This is a comprehensive in and out of hospital benefit scheme. It offers a Personal Medical Savings Account, a hospital plan and a block benefit.
Does GEMS pay for circumcision?
Circumcisions are limited to a global fee of R1 576 which includes all post-procedure care, consultations and medicine within a month of the procedure. Once approved, the authorisation number will be sent to both the member and the healthcare provider.
Is GEMS owned by the Government?
GEMS is a separate legal entity that does not form part of any Government department or public entity.
How do I change my gem options?
Visit www.gems.gov.za and sign into Member Online (click on ‘Sign In’ on the top right-hand corner of your screen). Click the Option Selection icon under Navigate on the Menu to make your option change. GEMS is continually making access easier.
Which gem option is cheapest?
Which is the cheapest GEMS option? Tanzanite One is the cheapest option, starting at R1,186 for the principal member.
What does GEMS Ruby cover?
The Ruby option includes a PMSA that consists of 20% of your contribution that is allocated to a savings account held in your name. This account will pay for your out-of-hospital or day-to-day medical expenses. Once you’ve depleted your PMSA, your out-of-hospital claims will be paid from the limited block benefit.
How much is government subsidy on GEMS medical aid?
An employee belonging to or joining GEMS shall be eligible for 75% of his or her total monthly medical contribution up to the maximum employer subsidy, based on the number of dependents registered.
When can you change your GEMS option?
All option changes processed on or after 15 December 2021 will result in an arrear deduction or refund from your February 2022 salary.
What is the difference between ruby and emerald GEMS?
A stone is a ruby when it is colored a certain number of ways ‘“ ranging from pure red to a bluish shade inherent in the stone. Emerald on the other hand is a variety of the mineral beryl and gets its green color from trace amounts of chromium and vanadium.
Does GEMS cover tummy tuck?
Schemes pay for medically necessary plastic surgery only Cosmetic procedures, like tummy tucks or rhinoplasty to give you a perfectly straight nose, generally won’t be covered.
What are the benefits of using gems medical aid?
Gems medical aid has five options. Sapphire. Sapphire is the entry-level option. You can qualify for a 100% employer subsidy. It offers in and out of hospital benefits. It offers maternity care at private hospitals. If you use the GEMS allocated list of doctors or medicines there are no co-payments. Also covered are your dentist and optometrist
What is the gems medical scheme?
The Government Employees Medical Scheme (GEMS) is a South African restricted medical scheme that offers numerous, affordable, accessible benefits to public service employees and their nominated beneficiaries. The scheme has more than 700,000 members and about 2 million beneficiaries. What are the GEMS medical aid options and prices in 2022.
What gems medical aid options are available in 2022?
This option was previously known as Sapphire and is designed to be the most affordable of all GEMS medical aid options in 2022. This entry-level package is tailored for employees in levels 1-5 with benefits subject to specialist referral rules and network general physician nomination.
Are there any co-payments with the gems plan?
If you use the GEMS allocated list of doctors or medicines there are no co-payments. Also covered are your dentist and optometrist visits. The Beryl option offers comprehensive in and out of hospital benefits. The network doctors or hospital are still available for use.