Worst Ever, Not what was promised

Worst fund ever. Does not pay for anything. every time there is something we need to use the fund for I hear the same words.... not covered on the formulary. To top this you have to call to get authorization for GP visits, then a "nurse" will call you back and try diagnose you telepathically and supply a script. If the "nurse" can not assist you then only will you get the Auth no. All this is not what was promised when we signed up initially.