Very disappointing

Only been a member a short while but from the onset I had difficulties I have now for the second time had to claim for medication due to an illness. This second occasion ibwas diagnosed with pneumonia only to have the prescription medication rejected. How as a member of the public that contributes monthly to a fund but can not get the correct assistance. BONITAS dont mind collecting the monthly subscription but are not willing to assist the pharmacist and patient with getting their medication. I have had to pay both doctors consultation and the full fee for medication. Very disappointed in their services Now to move schemes again to get the deserved service, there is always red tape