Billing nonsense

So I recently joined Discovery health from a broker. In April I join but my account was effective in May. So I have debit orders going through my account and didn't notice that Discovery hasn't been debiting. Last week I receive a message saying I owe R5000+. What a joke! I called Discovery and was informed I haven't paid for 3 months??????. My question is if Discovery Health couldn't debit my account why wasn't I suspended the same month? Why wait for 3 months? My other question is why should I pay for 3 months when my account has bern effective from May?????? I spoke to my broker and she informed I should sign a declaration form. I am really liable to pay for 2 months. Discovery keycare benefits are so bad. I cannot even go get medicine at the pharmacy without ****en visiting the Dr's room. Can I cancel my account while it is suspended? I do not want to incur an further costs with this lousy medical aid. Keycare plus nonsense!