Cancellation of Medical Aid

This is really an urgent matter regarding my health Plan.I was told by the discovery representative that They willing to change my plan to a cheaper hospital plan instead of the full comprehensive plan. I am waiting now for a response before the next debit order so that my new plan can be deducted at an affordable rate.My concern is that what discovery is doing is that when your debit order bounces you receive an sms mentioning that your cover has been stopped and no cover will be authorized or pay by them. They then double debit you and say you must back pay as it was temporary.So I asked the question if I got sick and went to hospital I would not be covered but 30 days later you bill me for that specific month that bounced.It doesn't make sense to me.Then I get told that the supervisor will decide whether to waive that amount if I take a cheaper plan so that is what I am doing.I feel as though they are ambush marketing me here..You not suppose to be debiting me in the first place.I really dont know wat to do because i feel that discovery is exploiting me.Im not sure if I should speak to my lawyers and let them deal with matter as well as other social media outlets.