Bad service

I phoned discovery health today about my flexing care health scheme. I get told that my account elapsed due to no fund in my account which is ******* I did tell when I switched accounts from Fnb to nedbank. Monday I had to make an appointment for Friday as I have a groth on my back I phoned discover up to get the list of doctors. So they sent to me I get told today at 11am when I phoned up they got no record of me phoning up. They could explain to me why no body bothered communicating with me about my medical aid. All this time for last 2 years I thought I had medical aid? I ride motorcycle and no body phones me. So know I need to go visit I government hospital due to fact I'm unemployed and have no mediacka aid due to discovery couldn't pick up a phone noar email me. I do hope the nhi comes into play and all medical aids loose business