Absurd rules

I am just completely and utterly shocked. So I am pregnant with our third baby. Had to take the down syndrome blood test which the scheme does not pay. It got paid from our Savings account. upon enquiry it came to my attention is was not paid by the scheme because I have a low risk pregnancy. I mean HOW does this work? I get penalised for having a low risk pregnancy. Please Discovery, explain to me how your logic works.