Bankmed refusing to pay to have 3 year old's teeth extracted under General Anaesthesia

Good day I would like to lodge a complaint against Bankmed, I am not at all happy with the response or service I received from Bankmed. We are on Bankmed Core Saver Membership number ********** 10 My 3 year old son has severely damaged front teeth, we took him to the dentist when the teeth started chipping , the dentist took X rays and informed us that there is no life in the 4 front teeth and they need to be extracted, with him being so young they will need to do it in a theatre as he is to small to control in the chair and the trauma will be a lot for him, Apart from the teeth breaking he is continiously geeting absesses in his gums due to the damaged teeth which is causing health issues and might affect the permanent teeth. Bankmed refuse to fund the procedure and just declines it on the base that it is not a PMB, stating that the plan we are on does not cover dentistry apart from PMB or otherwise from the savings account. I highly doubt it that there is a savingsplan out there that can foot the bill of a hospital account. That being said this is not a normal request as my current medical savings balance would easily cover the cost if it could be done in the chair, but it cannot and I truly believe my medical aid should assist as this is not a everyday occurrence. I can find multiple medical aids out there that can and will cover the procudere, but a employment condition binds me to Bankmed, as such I have no choice which medical aid I want to use, with this I feel that they should assist as I have no alternative, I can not leave them and they very well know it, and as such they should be able to make certain consessions towards their members as they are assured as long as we are in the employ of FNB they will get their membership fee, as we have absolutely no say in how they structure our plans or in the premiums they charge. I can upgrade to a higher plan at a increase of over R3000 pm which makes it unaffordable for my Family and then they want to apply a 6 month waiting period to this aswell making the upgrade useless, I can swith to another medical aid which charges a R1000 more than what I currently pay with better benefits and they pay dental expenses to the amount of R25000, which is way better than what bankmed offers me, but I don’t have a choice I cannot switch I am really upset with the unwillingness of my medical aid in refusing treatment, everyday we wait just damages my son’s teeth even more, this is a once of request and they could not be bothered to assist, they know we do not have alternatives and can do as they please, they should look for ways to assist instead of just decline requests, there are guidelines I understand but its not set in stone and there are ways to assist. Paying a R15000 hospital bill won’t bankrupt them, but it will assist a 3 year onl member in improving his health and possibly save a lot of costs that might come from the continued use of antibiotics to control the absesses, and damage it might cuase in other parts.