Poor service

Day1 takes so long to settle claims. Ive been to a network out of area dr visit in June. Today I receive a sms saying the claim has been rejected, no explination nothing. Im so scared these days to use my benefits, I now go to dr cash as the network doctor in my area has differeny drs at the surgery everytime so theres no relationship building with a gp. Also even the network dentist told me I have to pay cash because they wait too long to get their money. Please inform us if we should change medical insurance. Last year when i was a new member everything was excellent now im even too scared to go the dr, incase they want to admit me and then Ill have to pay a lot of expenses from my pocket