Disgusting. What's the point of paying through your teeth for a Medical Aid!!!!!!

Absolutely disgusted with the service provided, I pay and arm and a leg just to have cover for myself and my two children, I am a single mom doing my utmost best every month , I have debilitating pain monthly because of endometriosis, and apparently this must be seen as an elective op to get looked at because I am expected to pay in a massive co-payment on top of the massive amount of my salary I pay to just have the medical aid that doesn't cover anything , after hours of trying to get a authorization for an op this Wednesday only then am i told of the co-payment ? how is this fair?? how is this not a necessary op ?? I am so disheartened and will definitely be looking a moving to another medical aid , because paying for years on end for absolutely no help is not ok.