unfair

I'm very very unhappy with Bonitas , on Friday I requested authorisation for a gynaecological procedure and was adviced there is a co payment of 1600 ....why on earth do we pay medical aid monthly and still be expected to pay co payments for procedures that i didn't choose to undergo , another thing earlier this year , I had to do a mammogram and it was deducted from my day to day benefits ,because I'm under 40... but that's not fair ...my GP had valid medical reasons to recommend me to have a mammogram so why am I being penalized for that , people under 40 still get breast cancer , my GP also would not have suggested an unnecessary check...please note am going to take this up with the council for medical schemes