Bad service!!!!Holding the member responsible for other people's responsibility.

I need to tell people of my second bad experience with Bonitas Boncap.I took my daughter to Emergency room on the 1st November 2022. I received the claims for the ER doctor and xray department via email which paid I received another claim via email for the hospital itself and claim Status is stating claim rejected. I have been stressing over this and communicating with Bonitas medical scheme since then but it's only emails going back and forward. Finally I received feedback yesterday from the scheme management stating that the rejected claim is correct due to no Authorisation for services was obtained from the scheme.What is so sickening is that this is not the first time that this happened to me.I have to waste my airtime and data to get hold of them. The email received clearly states in my current situation due to the provider not getting Authorisation the member is liable for payment. Am I supposed to do other people's job for them? Is it my responsibility to get Authorisation? What is it that I'm paying for each month? I have medical aid but I attended a government facility for half of this year due to the fact that they always makes excuses why not to pay. I had to pay money in for attending the government facility aswell.So I ask what is medical aid for? The money I'm paying you could be put to better use. You are worst than house insurance that needs a excess fee for every claim.