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As government employees our unions need to bail us out from this so called government medical aid.it makes us poor every day.It so disturbing you are paying close ti R4000 for contributing next thing you are owing laboratories money because of what so call fund are not available. It not even torward the end of the year but one is having debts .my gp is not payed.Hate gems with all my heart. They are robbing us we day light nowone must budget for the doc on the other hand paying monthly contribution.wht do you call that.worse you are tokd yiu cant use the available funds because is for other family members. Really this is frustrating this medical aid is not reasonable at all . All the complaint about gems are negative it indicate that ee are frastreted .we have neen5 raising this to union.