i should have waited till morning

hi i would lile to add 3 incidents i have had with bonitas in 2016 i was admitted after approval of medical aid to get my wisdom teeth removed 3 days after the whole operation we recieved a notification saying it was declined and a mistake was made and we are now held liable for the bill ,having previous experiences with this new call centre agents incompetency and lack of speaking english i left it and paid a bill of 12500r ,about 1 year after that i was admitted to remove my tonsils and same story happened again ,i was admitted a few months after that for sleep deprivation by a specialist and was approved and then same story.The last and final straw for me was a accident involving glass and a shower that broke and had cut my finger quite bad ,cut through muscle fat and a big part of my bone on my index finger ,after a trip to the er and er head dr burning and reattaching muscle and burning of veins and then 11 stitches we got a letter and email from bonitas saying it was not an emergency and i could have waited till the morning and just used a plaster .Upon investigating the matter further and asking the dr's report to bonitas he said in his report code was orange so meaning it was an emergency due to severe blood loss ,my question is since when us all service agents and claims departments qualified dr's or what is going on and why am i then paying an arm and leg to be told i can use a plaster .It is a ****ing joke imagine getting in a car accident breaking a few bones and being told no you should have waited till the morning not been taken with an ambulance to er.