Worst medical aid and service!

I have been a member of Bankmed for years and I have always had problems with claims. Everytime a claim goes through I have to fight with them. They now dont want to pay a radiology bill of R1253 because I didnt get authorization. But I dont have insured benefit for radiology and it is paid from my savings. NO WHERE ons the benefit and contribution schedule it states that I have to get authorization for radiology. I have more than enough funds available in my medical savings for it to be paid. But they dont want to pay it from my savings. Since when do you have to get authorization for something that is being paid from te medical savings?? Now I'm getting bills and e-mails from the radiologists. Then I phoned the call centre, the agent had an attitude with me and said she will call me back. She phoned me back later the day just to tell me she will phone me back again. It has been over a week and I havent receive any feedback or phone call from Bankmed. They have the worst service ever. I refuse to pay this bill as I have a medical savings available for this and no where was I ever informed that I have to get authorization. They need to pay this bill as soon as possible or I am taking the matter further!