Appalled by the claim reimbur*****ts from Discovery!

Appalled by the claim reimbur*****ts from Discovery! I have been a loyal client of Discovery Health for over 7 years. I fell pregnant at the end of last year, and recently had a c-section. I am absolutely horrified by how Discovery has reimbursed me for my claims. About 30% of my gynae appointments were reimbursed (this after my gynae gave me a discounted rate for my appointments) and to my complete shock, my c-section was reimbursed by a mere 20% of the actual claim! In total I am left with a bill of around R30 000 to pay, thirty thousand Rand!!!!!! What do I do?