Bonitas Medical Aid Absurd Non Payments

I am a Bonitas Primary Select member, I am not happy but disappointed with the service I have been receiving from the medical aid re my "benefits" that are non existent at this point. On the 14 Jan 2024, 1. I had an incident that led me to emergency unit on an early morning. 2. On the 04 August 2024 I had another situation that ended with me going to emergency unit. 3 My local GP whom I have been using his services I have been consulting with for the past 18 months , even prescribing my chronic medication, I have been informed today his not a nominated dr on my medical aid so that's the reason for non payment my last 3 visits. 1 & 2 I have been told by the consultants when enquiring about payments that , there was no authorization done hence the non payments, my question is in an emergency how to I know to get authorization before an emergency? Please make me understand? Also I was also told that my condition needs to be life threatening to be considered for emergency irrespective of the time of the day, and the agony a patient might be under. What is life threatening?

I phoned Bonitas , spoke to a consultant was advise on all the above and the reason as I mentioned, they requested I call the service providers and ask them to ask for authorization , the service providers referred me back to Bonitas to request the same, and eventually both the claims were declined.

I am disgusted by the level of service and how the medical aid is avoiding these payments. In my option Primary Select I am supposed to have 2 x emergency visit annually, which now I know it needs to be life threatening. I have also now been receiving letters of demand and the accounts are handed over. I am considering terminating my account and would suggest same to others too.