worst medical aid by far

Colostomy products were approved on chronic last year and again this year. Yet each month when I submit the claim for the refund I end up with problems and excuses time after time. unfortunately as a Bank pensioner I have no option to join another medical aid. Since Discovery took over from Momentum as the administrator the service standards continue to drop each month. If it wasn't for their captive client basis they would have been out of business long ago. They just find every excuse in the book to not pay or prolong payment as long as possible. My previous claim took over 2 months rectify. As a disabled pensioner I cannot afford to be out of pocket each month especially considering the premium they receive each month of almost R3000.00