Terms & Conditions

Website Policy

The following Terms of Use apply to the GEMS website, and any data/information contained within or linked to from the Benefit Administrative System website. By accessing any portion of the GEMS website you agree to the following Terms of Use, and Disclaimers. If you do not agree to any part of this Website Policy do not use this site. Use of this website and its contents is at your own risk. GEMS may modify this Website Policy at any time with changes posted to this page.

General Terms of Use

This website is intended for employees, employers, brokers, or providers of GEMS. Unauthorized access into portions of this website may constitute a crime under state and/or federal law, such violations shall be prosecuted to the fullest extent of the law. GEMS strives to maintain current and accurate information on our website, however such can not fully be guaranteed so as such GEMS makes no warranties to the accuracy of any data or information on this website. GEMS, it’s clients, affiliates, brokers, or plan sponsors are not responsible for the actions or outcomes relating to the dependence of any information contained on this website. The contents of this website are provide4d “AS IS” without a warranty of any type, either expressed or implied. GEMS or its affiliates shall not be held liable for any damages of any type related to the use of this website or the information generated within. GEMS does not warrant the software, data, or files on our website to be error-free or free of viruses, or other harmful software/files.

Information Request(s)

ATTENTION: Any requested information concerning a plan participants eligibility, coverage or claims that are not provided in complete fashion please call our Customer Service at +973 66004414.


This website provides an electronic summary of plan benefits and eligibility and as such is not a guarantee of payment or a final determination of current eligibility. Only an employer can verify eligibility. The information is provided as of the requested date, and GEMS does not assume any obligation to notify you of any changes in benefits or eligibility. Not every charge or type of service may be covered under a plan. Actual benefits are subject to all plan terms, definitions, limitations, and exclusions in effect on the date of service. This includes any limitation of exclusion relating to preexisting conditions, medical necessity or usual and reasonable charges as contained in the Summary Plan Description. Eligibility for coverage depends on the employee’s and/or dependent’s current employment, martial, dependent, disability or student status. The information provided is based on the latest information we have available from the employer, but may not include changes in eligibility status that may be known to the employee or dependent.

Confidentiality & Privacy Notice

Information on this website is for the use of the individual or entity to which it is addressed and may contain information that is privileged, confidential, or exempt from disclosure under applicable State or Federal Law. If the reader of this website is not the intended recipient or the employee or agent responsible for delivering the message to the intended recipient, you are hereby notified that any dissemination, distribution, or copying of such information is strictly prohibited. If you have received any unintended information by error please notify us immediately by telephone.

Links to other Websites/Sources

The GEMS’ website may link to outside websites, sources, databases, or other communications. GEMS makes no endorsement and shall not be held liable for the content outside our website.


This website is owned and operated by GEMS. GEMS reserves the right to monitoring any activity or such performed on any portion of this site, accessing any resource of this site, or any behavior we deem acceptable.

Changes and Applicable Laws

GEMS retains the right to make changes to our website and this website Policy. Website Users are strongly encouraged to review this Website policy for updates or possible changes. Through your continued access to our website you are accepting the policies and terms set forth in this Website Policy. The use or our website shall be governed in accordance to the laws of the State of Illinois and any applicable Federal Laws. If any portion of this policy shall be found unlawful or void, that that portion shall be deemed unattached from this policy and shall not affect the validity or enforceability of the remaining portions of this policy.