full scheme rate my foot

As government employees we are not allowed to join other medical aid schemes because we will not get subsidized.<br> I have never went to the Pharmacy with a Doctor's prescription and was not told that GEMS will cover my medication. When my daughter is on antibiotics she must also drinks a probiotic to stop diarrhea. Loo and behold GEMS doesn't cover probiotics. Not even the generic one. GEMS doesn't even cover the whole amount for panado drops for a baby. They pay R13 towards it.<br> <br> When they give you a claim statement they make it seem like each member on your medical aid has a separate amount for day-to-day visits. THIS IS A MYTH. There is a \family limit"that can be used up by one member I recently found out to my dismay.<br> <br> And there are so called maternity benefits. You receive six GP visits and only two gaenae visits. Why the hell would I want to go to a GP when Im pregnant. If I did not persist and go to my gaenae my daughter would have died (God forbid) because he would not have seen that my daughter had a cord around her neck and was in distress. Worse I had to pay for the Assistant Doctor because GEMS refuses to pay them citing lack of authorization even though u have."""