Needed help and clarity

I called the Call Centre this morning to ask about taking over my cover as company pays for my medical aid at the moment. the Consultant could not give me straight answer on the way forward. what was worrying to me is that I'm asking to continue cover as is and told I will have to pay upfront for January instead of paying end of the month. it disappointing to hear that they is conditions when becoming a direct paying customer. when I had the same situation discovery was able to continue with the payment methods.