Unexpected Bills

My husband needed to go to the doctor, who referred him for blood tests and x rays, This is a doctor who is registered on the network, which means his fee should be covered in full (as per all our previous visits).<br> <br> This morning I received a statement saying that not all the tests would be covered, secondly, the doctor was not paid in full it is over the scheme rates. Now I ask you this, how can a doctor who is fully covered not be paid in full, secondly, why do I pay R3700 a month on medical aid and I still need to take out money to pay for blood tests and prescribed medication. Bankmed is Biased, the only reason we opt not to take a more expensive plan with savings is because WE CANNOT AFFORD IT, with this in mind, why does bankmed think that we can afford tests that we have not budgeted for. I am aware that there is a code for certain tests that are covered, but should we not be warned that we will have to pay that much in before the tests are done, also, if it is not part of the formulary, why is the network doctor allowed to send us for it, he does not care if we are not covered, also why give a prescription if you are a dispensing doc and he is so rude, this is not fair.