****AF refuses to pay my claim!

I fell ill late in 2016 and was rushed to the hospital (Umhlanga, Durban) and after been examined by a Network GP and asked to go to hospital. Upon arrival at the Network hospital (which the medical aid says I am supposed to go to to ensure that all costs will be covered) I was examined and referred for further tests (x-rays and blood tests) by the trauma doctor in house! Upon receipt of the bills I was surprised to see that the referral doctor gets paid however the specialists did not get paid for anything!!! I have to bear CAMAFs shortfall even after consultation with CAMAF before going to hospital!!!!!!!! I was **** to and now it feels like I'm paying for absolutely nothing!!! I took this matter up with the in-house client relationship representative however she was of no help saying that I should lodge a complaint myself. Upon following the formal CAMAF complaints process I received no remedy. They just refuse to do anything!!! i have made a numerous amount of calls and everyone just says "I'm sorry we cannot help, you need to do your homework to verify which doctors are at the NETWORK HOSPITALS before going" ????? Seriously????? Am I supposed anticipate falling ill and make hours of calls before going to any hospital?