Lack of training and poor responses to Emails sent and very POOR customer service

I am applaud at the rate and speed to responses from Bankmed Customer service. So i called before going to see the specialist to make sure all is in order and i will not need to pay cash for anything. I was given incorrect and useless information that inst going to help me at all. I got to the Dr's room and was told i need to pay CASH upfront and claim it back from my MA which i did money u dont really have at hand but u already in the waiting room so what choice do u have but to pay. So here i was calling spoke to 4 different people and not one told me i need Authorization 1st before going to the see the DR after i asked numerous times if i do need it or not i was told NO. So all the incompetence in this is really appalling so i spoke to Bheki, Bontle, Bennie and now today Sharina who told me i need Authorization so the money i paid is gone with the wind so i will not be refunded i mean really now.....whats the point of calling, asking and paying MA when one cant get the help you need in your time if NEED? the process or traning the peope have sucks cause no one not one told me to get this done now only im asking for my refund i get told Twa****!!! i have a another appointment to see this DR so please someone call e and out it in writing what i need to do. send it to the main member details you have on file LRS Simons