worse medical aid company

I was sick on the 19th of December went to the Dr's that I nominated both were closed. The following day I went to work called bankmed told them the Dr's I had nominated are closed can I go to another Dr. I spoke to Zikhona she said I had R795 out of network fees that I can use and I can go to and gp which I did. The gp was not paid I call them on the 2nd of January 2018 to query why they did not pay the gp spoke to Malibongwe he said I did not have any funds available so I was not supposed to go to that gp. Now I need to understand what should I have done in this situation whereby both GPS are closed. He said they will listen to the call & get back to me which he did a few days after I called he said the Manager has listened to the call & will get back to me it is now the the 17th of Jan no feedback has been provided & the gp has not been paid. So what do I do now, this is ridiculous & pathetic. I pay my medical aid every month & I said the doctors should close, so this means this will be an ongoing problem cause when the Dr's close in December bankmed won't pay when u go to the other gp that is not your primary or secondary. It also does not make sense why we should be restricted. I am soooooo angry and if I had a choice I would actually cancel this medical aid I really don't see the reason why I have to be covered by them as they don't value me as a client and don't care at all about my needs.