Come up with better affordable cover for our needs as well

I wish that medical aid can start providing more benefits for core saver. I cant afford a higher premium. My family and i been with bank med for 18 odd years and enjoyed top premium benefits on Comprehensive, But since 2020 we've had to scale down to Core saver, and what a disappointment. Unfortunately, I'm the only one that can afford to be on Core saver as im the only one left working, and at the bank, its a rule to be on Bankmed. Well it suck!!, the fact that my savings are less and that when there's an emergency, they take the savings so i can't even see an optometrist, it needs to be cash, and im currently paying my Dentist cash every month, and sitting with a over 2year old prescription glasses that i cant redo because there's no savings, it has to be cash, but im paying medical aid every month that i can only benefit from when / should i fall ill or in a accident and need to be admitted to a hospital, that too is a **** up when they decide to stop paying for Scans and send it to me to pay, i asked to be sick right ?? but I'm supposed to be covered when I'm in hospital. u see i had a spinal fusion done on my lower back, i have had two back Opps done end of 2019/2020 then 2022 and I'm good now, but its the small things , the dentistry and Glasses because there's no saving or benefits for Core saver, We can't all afford top cover and we struggle and it's not easy , when I'm the only one with a job and on medical aid and i pray every day they don't get ill till the day they get to work and find a decent medical aid with benefits that help[s them. Like you need to get paid so do we, u needs things s, so do we. We get sick, so will you. but I'm sure you covered.