Specifying a ruby version on your Gemfile is just a way of telling to bundler: "please complain if there is a ruby version mismatch". To actually enforce which Ruby version should be used, you could use a ruby version manager such as rbenv or rvm.
A different patchlevel (e.g. p195) won't cause you any issues but for the shake of completeness, since Bundler 1.5 you can specify a Ruby patchlevel with the following syntax:
ruby '2.0.0', :patchlevel => "195"
See the Bundler 1.5 changelog for more details.