change real inconvenience to me

Since the start of the year there have been problems ....The claims is not going through and we either had to pay that's if I had cash on me or we had to drive back home to get cash and pay for the stuff I am paying over R5000 and I expect better service then this never the less the time and money that I've wasted already for stuff that is supposed to be paid by the medical aid after numerous calls I am still waiting on my card and book again wasted my airtime for stuff that was supposed to be delivered 2015 already every year before the plan change I study the book so that I understand my plan at this stage I am so unclear and uncertain and don't think I ha en the right plan for the plans that I have for this year I am not happy about this and expect bankmed to drastically change stuff or they will lose members I AM HIGHLY IRRITATED AND UPSET ALL BECAUSE OF THIS WHOLE CHANGE THING THAT'S INCONVENIENCING MY LIFE.....