Dischem medical insurance

I took out a policy with Dischem medical insurance and today I wanted to book a dentist appointment for a filling. Last week I was told by Dischem's customer service that I don't need to get authorization, the dentist's office does it. Today I get told by Medicross, I have to get the authorization, and I again called Dischem and was told the dentist has to send a qoute on the work that needs to be done so they can see it if will be authorized. So I must phone and do all the work. How can the dentist give a qoute if he has not seen what he should do on the tooth? Absolutely a waste of my time and money. I do not recommend this medical insurance and am utterly disappointed. Needless to say, I cancelled the policy.