BANKMED MOST USELESS MEDICAL AID

For the past 3 years I am just paying short falls, because of Bankmed, Finally this year I thought I can breath because I've paid up all my medical shot payments (Bankmed not paying full amounts to doctors), also for the new year if myself or daughter get sick I would not even want to use my medical aid which I pay fully every month, scared for short payments to doctors, Last week my daughter had to have a small surgery and I had no choice but take this risk and give her the care and help she needs "It's a risk" these days when you use medical aid, Today going through my statement's and once again I have short payments ,once again I owe Doctors because my medical could not cover me, #Sad