CD
Carmen D
1 reviews | Active since Aug 2026
28 Aug 2026, 18:05
GEMS Has Completely Let Me Down – I Will Not Stop Speaking Up Until This Is Addressed!!
I am beyond disappointed and frustrated with GEMS. As a paying member, I placed my trust in my medical aid to support me when I needed them, and instead, I have been met with confusion, delays, technicalities and a complete lack of meaningful assistance. I was informed on 13 June 2025 that the R10,000 co-payment had been waived, only to later be told that the stale claim was declined because of statutory timelines and because the provider must now submit proof of follow-ups between 14 May 2024 and 8 April 2025. Why is the burden continuously being shifted around while I, the member, am left dealing with the consequences? I trusted GEMS to handle my matter fairly and to assist me when I needed medical care. Instead, I feel completely let down. It is incredibly disappointing to be treated as though I must simply accept being caught between GEMS and the healthcare provider while my matter remains unresolved. The fact that I was initially informed that the R10,000 co-payment was waived, only for further complications and requirements to arise afterwards, has caused unnecessary frustration and distress. GEMS needs to understand that behind every claim and account is an actual member who depends on their medical aid and expects the support they have been paying for. I am tired of being passed from one explanation to another and being told what the provider needs to do. I chose and trusted GEMS as my medical aid—not to leave me feeling abandoned when I need assistance. I want this matter urgently reviewed by someone who has the authority to properly investigate and resolve it. I want GEMS to take accountability for the way this matter has been handled and to provide a proper resolution instead of allowing me to remain caught in an endless administrative process. I will continue sharing my experience and documenting how this matter is being handled until GEMS acknowledges my concerns and gives this case the serious attention it deserves. I refuse to simply disappear or remain silent while feeling completely let down by a medical aid I trusted. GEMS, I am asking you to hear me, see me, and properly address what has happened. Your members deserve better than this.
Helpful (0)
Replies (9)0
Replies (9)CD
Carmen D's updateReviewer Update
31 Aug 2026, 08:45Day 1 – Still Waiting for GEMS to Respond
It has now been another day, and I am still waiting for GEMS to acknowledge or respond to my complaint.
It has now been another day, and I am still waiting for GEMS to acknowledge or respond to my complaint.
I have trusted GEMS with my healthcare needs and paid my contributions with the expectation that I would receive support when I needed it. Instead, I have been left feeling ignored and unsupported while trying to resolve a matter that has caused me significant frustration.
What is particularly disappointing is that I have already spent time trying to understand and resolve this matter, yet I am still waiting for someone at GEMS to properly engage with me.
One day without a response may not seem significant to a large organisation, but when you are the member whose matter is unresolved, every day feels like another day of being ignored.
I will continue documenting my experience until this matter receives the attention and response it deserves.
CD
Carmen D's update31 Aug 2026, 08:45
Reviewer Update
Day 1 – Still Waiting for GEMS to Respond
It has now been another day, and I am still waiting for GEMS to acknowledge or respond to my complaint.
It has now been another day, and I am still waiting for GEMS to acknowledge or respond to my complaint.
I have trusted GEMS with my healthcare needs and paid my contributions with the expectation that I would receive support when I needed it. Instead, I have been left feeling ignored and unsupported while trying to resolve a matter that has caused me significant frustration.
What is particularly disappointing is that I have already spent time trying to understand and resolve this matter, yet I am still waiting for someone at GEMS to properly engage with me.
One day without a response may not seem significant to a large organisation, but when you are the member whose matter is unresolved, every day feels like another day of being ignored.
I will continue documenting my experience until this matter receives the attention and response it deserves.
Gems (Government Employees Medical Scheme)'s replyOfficial
31 Aug 2026, 10:11Good day,
Thank you for engaging with us. We are attending to your message, and feedback will be provided. If you have an urgent query, please contact us on ***(members Toll-free number) & ***(providers).
Call Centre Hours: Monday - Friday: 8h00 - 17h00 & Saturday: 8h00 - 12h00.
Emergency number: ***(available 24 hours)
If you wish to submit a compliment, please email us on at ***.
We look forward to receiving your positive feedback.
Regards, GEMS
Gems (Government Employees Medical Scheme)'s reply31 Aug 2026, 10:11
Official
Good day,
Thank you for engaging with us. We are attending to your message, and feedback will be provided. If you have an urgent query, please contact us on ***(members Toll-free number) & ***(providers).
Call Centre Hours: Monday - Friday: 8h00 - 17h00 & Saturday: 8h00 - 12h00.
Emergency number: ***(available 24 hours)
If you wish to submit a compliment, please email us on at ***.
We look forward to receiving your positive feedback.
Regards, GEMS
CD
Carmen D's updateReviewer Update
31 Aug 2026, 10:35Is this my reference number to the matter you are looking into? how will you know what to look into if you don't have my medical aid details?
CD
Carmen D's update31 Aug 2026, 10:35
Reviewer Update
Is this my reference number to the matter you are looking into? how will you know what to look into if you don't have my medical aid details?
Gems (Government Employees Medical Scheme)'s replyOfficial
31 Aug 2026, 12:58Good day
Thank you.
Regards,
GEMS
Thank you.
Regards,
GEMS
Gems (Government Employees Medical Scheme)'s reply31 Aug 2026, 12:58
Official
Good day
Thank you.
Regards,
GEMS
Thank you.
Regards,
GEMS
CD
Carmen D's updateReviewer Update
04 Sept 2026, 12:30Good day GEMS, I am still awaiting feedback. I received one call and ghosted after that. I do feel that since the trust level is low in my medical aid right now that it would be a good thing to at least reassure me as a paying client that the case is being investigated. But
CD
Carmen D's update04 Sept 2026, 12:30
Reviewer Update
Good day GEMS, I am still awaiting feedback. I received one call and ghosted after that. I do feel that since the trust level is low in my medical aid right now that it would be a good thing to at least reassure me as a paying client that the case is being investigated. But
CD
Carmen D's updateReviewer Update
04 Sept 2026, 13:18I will follow up next week again
CD
Carmen D's update04 Sept 2026, 13:18
Reviewer Update
I will follow up next week again
CD
Carmen D's updateReviewer Update
09 Sept 2026, 09:33Title: 8 Working Days Later – GEMS, Where Is the Feedback You Promised?
I am following up on my previous complaint because it has now been 8 working days since GEMS contacted me and promised feedback within 7 working days.
I am following up on my previous complaint because it has now been 8 working days since GEMS contacted me and promised feedback within 7 working days.
I was advised that my case would be investigated and that I would be contacted with an outcome. I accepted that assurance in good faith, despite having already spent two years trying to get this matter resolved.
The promised timeframe has now passed, and I am still waiting.
This is exactly the kind of experience that leaves members feeling ignored and let down. I should not have to keep posting complaints on HelloPeter to get someone to follow up on a matter that has already been outstanding for two years.
I understand that investigations take time, but if GEMS cannot provide the promised feedback within the timeframe given, then I expect a proper update explaining the delay and confirming when I can realistically expect a response.Silence is not an acceptable way to manage a member’s concern.
I am a paying client. I trusted GEMS to support me when I needed medical care, and I deserve more than repeated assurances that someone will get back to me.
GEMS, I am asking you to please stop making promises that are not being followed through. I need a proper response, I need accountability, and I need this matter resolved.
8 working days later. Still waiting.
CD
Carmen D's update09 Sept 2026, 09:33
Reviewer Update
Title: 8 Working Days Later – GEMS, Where Is the Feedback You Promised?
I am following up on my previous complaint because it has now been 8 working days since GEMS contacted me and promised feedback within 7 working days.
I am following up on my previous complaint because it has now been 8 working days since GEMS contacted me and promised feedback within 7 working days.
I was advised that my case would be investigated and that I would be contacted with an outcome. I accepted that assurance in good faith, despite having already spent two years trying to get this matter resolved.
The promised timeframe has now passed, and I am still waiting.
This is exactly the kind of experience that leaves members feeling ignored and let down. I should not have to keep posting complaints on HelloPeter to get someone to follow up on a matter that has already been outstanding for two years.
I understand that investigations take time, but if GEMS cannot provide the promised feedback within the timeframe given, then I expect a proper update explaining the delay and confirming when I can realistically expect a response.Silence is not an acceptable way to manage a member’s concern.
I am a paying client. I trusted GEMS to support me when I needed medical care, and I deserve more than repeated assurances that someone will get back to me.
GEMS, I am asking you to please stop making promises that are not being followed through. I need a proper response, I need accountability, and I need this matter resolved.
8 working days later. Still waiting.
CD
Carmen D's updateReviewer Update
09 Sept 2026, 12:12I have now received GEMS’ written response to my complaint, and I am extremely disappointed with the outcome.
GEMS has confirmed that my R10,000 co-payment was waived on 13 June 2025. Their letter states that the outstanding clinical information, including the partogram, was received and reviewed, and that the waiver was approved.
So I need to ask a very simple question:
If the co-payment was waived, why am I still being left out of pocket?
GEMS has now confirmed that the claim was originally short-paid because of the co-payment. They have also confirmed that the co-payment was subsequently waived. Yet I am still being told that the claim cannot be reprocessed because of the stale-claim process.
I understand that there are rules and procedures. But I am the member who has been trying to resolve this matter for two years, and I should not have to carry the financial consequences of an administrative process that I did not create.
What is particularly frustrating is that GEMS’ own letter acknowledges that the claim “could potentially qualify for reprocessing” following the waiver. However, instead of resolving the matter, I am now being told that the required follow-ups were not provided.
I want GEMS to explain why the waiver they approved is not being honoured through payment of the claim.
I also want to know why I am being expected to resolve a matter that has been ongoing since 2024, when I have repeatedly contacted GEMS and the hospital to try to get answers.
I trusted GEMS with my healthcare needs. I trusted that when a co-payment was waived, that decision would mean something. I did not expect to spend two years trying to get a medical aid to honour its own decision.
I appreciate that GEMS has finally investigated my complaint and provided a written response. But this is not a resolution. It is an explanation of why I am still waiting.
I am asking GEMS to urgently review this matter again, specifically in light of the confirmed waiver, and provide a clear written explanation of why the claim has not been paid.
I also expect GEMS to explain what steps it is taking to resolve the outstanding issue with the provider, rather than simply leaving me to continue chasing the matter.
I am a paying client. I deserve more than being passed between departments and being told to wait. I deserve a medical aid that takes responsibility for its decisions and assists me in resolving a matter that has already taken far too long.
Two years is long enough. I want GEMS to hear me, see me, and properly resolve this matter.
CD
Carmen D's update09 Sept 2026, 12:12
Reviewer Update
I have now received GEMS’ written response to my complaint, and I am extremely disappointed with the outcome.
GEMS has confirmed that my R10,000 co-payment was waived on 13 June 2025. Their letter states that the outstanding clinical information, including the partogram, was received and reviewed, and that the waiver was approved.
So I need to ask a very simple question:
If the co-payment was waived, why am I still being left out of pocket?
GEMS has now confirmed that the claim was originally short-paid because of the co-payment. They have also confirmed that the co-payment was subsequently waived. Yet I am still being told that the claim cannot be reprocessed because of the stale-claim process.
I understand that there are rules and procedures. But I am the member who has been trying to resolve this matter for two years, and I should not have to carry the financial consequences of an administrative process that I did not create.
What is particularly frustrating is that GEMS’ own letter acknowledges that the claim “could potentially qualify for reprocessing” following the waiver. However, instead of resolving the matter, I am now being told that the required follow-ups were not provided.
I want GEMS to explain why the waiver they approved is not being honoured through payment of the claim.
I also want to know why I am being expected to resolve a matter that has been ongoing since 2024, when I have repeatedly contacted GEMS and the hospital to try to get answers.
I trusted GEMS with my healthcare needs. I trusted that when a co-payment was waived, that decision would mean something. I did not expect to spend two years trying to get a medical aid to honour its own decision.
I appreciate that GEMS has finally investigated my complaint and provided a written response. But this is not a resolution. It is an explanation of why I am still waiting.
I am asking GEMS to urgently review this matter again, specifically in light of the confirmed waiver, and provide a clear written explanation of why the claim has not been paid.
I also expect GEMS to explain what steps it is taking to resolve the outstanding issue with the provider, rather than simply leaving me to continue chasing the matter.
I am a paying client. I deserve more than being passed between departments and being told to wait. I deserve a medical aid that takes responsibility for its decisions and assists me in resolving a matter that has already taken far too long.
Two years is long enough. I want GEMS to hear me, see me, and properly resolve this matter.
CD
Carmen D's updateReviewer Update
11 Sept 2026, 10:55GEMS: The 60-Day Rule – Are Members Actually Being Told About This?
I am writing this update because I believe other GEMS members need to know about this.
After two years of trying to resolve my medical claim, GEMS has now explained that my claim cannot be reprocessed because the required follow-ups were not made within their 30/60-day process.
Here is the part that I find extremely problematic:
I was never (through any form of correspondence) told that I, as the member, had 60 days to follow up on a short-paid claim or that failing to do so could ultimately prevent the claim from being reprocessed.
In my case, the hospital was waiting for additional clinical information from the treating doctor. The hospital has explained that this was the reason for the delay. Yet GEMS is now saying that there should have been follow-ups within the prescribed timeframe.
But where was the communication to me, the member, saying:
“Your claim is short-paid. Additional information is outstanding. You have 60 days to ensure that this is followed up, otherwise your claim may become stale and may not be reprocessed.”
I did not receive that warning.
And this is what I believe members need to question.
GEMS refers to this as part of its Scheme rules and stale-claim process. I understand that medical schemes have rules and that members are bound by their registered Scheme Rules. GEMS itself states that its rules contain important information that members should know.
But having a rule available somewhere is not the same as making a member actively aware that the rule is about to affect them. Oh a call center agent said to me "No we do not send you correspondence that you have 60 days to follow up on the claim, we tell you this when you phone our call center to query the rejected claim"
When a member is told that there is a shortfall because information is outstanding from the treating doctor, the reasonable expectation is that the member will be told what they need to do, what the deadline is, and what the consequences will be if the matter is not resolved.
Instead, I have spent two years trying to resolve this matter and am now being penalised because, according to GEMS, the required follow-ups were not made within their 30/60-day timeframe.
How is a member supposed to know that they need to do this if nobody tells them?
I would genuinely like GEMS to answer this question:
At what point was I, the member, clearly informed that I had 60 days to follow up on this particular shortfall and that failure to do so could prevent the claim from ever being reprocessed?
I am not saying that GEMS is not entitled to have Scheme rules. I am questioning how those rules are communicated to members and whether members are given meaningful notice when those rules are directly going to affect their claims.
I also want other GEMS members to be aware of this. If your claim is short-paid or additional information is outstanding, do not assume that the hospital or doctor is handling everything. Ask GEMS specifically whether there is a 30/60-day deadline, what you personally need to do, and what happens if the information is not received in time.
Because I certainly did not understand that this was my responsibility and now I am the one facing the consequences.
GEMS, I stand to be corrected: please show me where and how members are clearly informed of this specific requirement when a claim is short-paid and additional clinical information is outstanding.
I am asking because I genuinely believe members deserve to know.
CD
Carmen D's update11 Sept 2026, 10:55
Reviewer Update
GEMS: The 60-Day Rule – Are Members Actually Being Told About This?
I am writing this update because I believe other GEMS members need to know about this.
After two years of trying to resolve my medical claim, GEMS has now explained that my claim cannot be reprocessed because the required follow-ups were not made within their 30/60-day process.
Here is the part that I find extremely problematic:
I was never (through any form of correspondence) told that I, as the member, had 60 days to follow up on a short-paid claim or that failing to do so could ultimately prevent the claim from being reprocessed.
In my case, the hospital was waiting for additional clinical information from the treating doctor. The hospital has explained that this was the reason for the delay. Yet GEMS is now saying that there should have been follow-ups within the prescribed timeframe.
But where was the communication to me, the member, saying:
“Your claim is short-paid. Additional information is outstanding. You have 60 days to ensure that this is followed up, otherwise your claim may become stale and may not be reprocessed.”
I did not receive that warning.
And this is what I believe members need to question.
GEMS refers to this as part of its Scheme rules and stale-claim process. I understand that medical schemes have rules and that members are bound by their registered Scheme Rules. GEMS itself states that its rules contain important information that members should know.
But having a rule available somewhere is not the same as making a member actively aware that the rule is about to affect them. Oh a call center agent said to me "No we do not send you correspondence that you have 60 days to follow up on the claim, we tell you this when you phone our call center to query the rejected claim"
When a member is told that there is a shortfall because information is outstanding from the treating doctor, the reasonable expectation is that the member will be told what they need to do, what the deadline is, and what the consequences will be if the matter is not resolved.
Instead, I have spent two years trying to resolve this matter and am now being penalised because, according to GEMS, the required follow-ups were not made within their 30/60-day timeframe.
How is a member supposed to know that they need to do this if nobody tells them?
I would genuinely like GEMS to answer this question:
At what point was I, the member, clearly informed that I had 60 days to follow up on this particular shortfall and that failure to do so could prevent the claim from ever being reprocessed?
I am not saying that GEMS is not entitled to have Scheme rules. I am questioning how those rules are communicated to members and whether members are given meaningful notice when those rules are directly going to affect their claims.
I also want other GEMS members to be aware of this. If your claim is short-paid or additional information is outstanding, do not assume that the hospital or doctor is handling everything. Ask GEMS specifically whether there is a 30/60-day deadline, what you personally need to do, and what happens if the information is not received in time.
Because I certainly did not understand that this was my responsibility and now I am the one facing the consequences.
GEMS, I stand to be corrected: please show me where and how members are clearly informed of this specific requirement when a claim is short-paid and additional clinical information is outstanding.
I am asking because I genuinely believe members deserve to know.