Bad service

Bankmed referred me to a specialist for my wisdom and then the specialist said he needs to perform and operation because the teeth are close to the nerve and he needs to perform the procedure in hospital. Bankmed declined because its not cover under my plan which is core saver, The procedure costs R 18 000 and i have R 16000 available in my savings. I requested bankmed to pay from my savings which again they declined. i requested an immediate plan downgrade and savings paid to me again it was declined. I currently depend on pain ****ers everyday which is not good for my health just to ease the pain. I asked they service specialist to treat my situation different since well they don't cover from their side and pay my savings back then i'l pay from my savings.