Discovery

I went to the doctor a few weeks ago, and to my surprise my msa was depleted but thought ok I have GP extended benefits. I received a notification via email that my doctor will not be paid,I have pay this account. So I phoned them and yes the doctor is not covered under extended benefits but she is covered by Discovery as long as you pay from your savings. So you can use your savings on their doctors list, but when its time for them to pay, you need to go to the vet. I hate Discovery. Always a reason not to pay, either this is not covered or it comes from your savings. Each year your premiums go up and your benefits gets less. All you find advertised is gap covers or co payment cover. I am already paying medical why does it cover nothing?