Discovery customer service is still pathetic.

I moved from Discovery after 13 years. In 2022, I rejoined, the consultant asked if I would like the option to received the Discovery rate when refunded or cost incurred. I chose cost incurred. Since then I have been having issues on and off with payments as I get paid out the Discovery rate and not cost incurred. In Feb this year, I took my son to the doctor, I submitted a claim and was refunded the Discovery rate and not cost incurred, twice after that my wife had 2 drips done at the same doctor and we have not been paid out. I call every 2 weeks receiving the same response, 'I will escalate and get back to you'. Each person that calls back gives the same answer, that they paid according to the discovery rate and then, for the 100th time, I have to explain about the cost incurred option and state that calls are recorded but no one can tell me when the amounts for the 2 drips would be paid out. I received a refund for R200 and something last week but that's it. No further communication from Discovery which now means I have to chase them again to get my money. I'm paying close to R14000 a month and they refuse to refund R620. I have plenty of savings available and am tired now. Discovery, this is why people move to other medical schemes, customer service is horrific. Can someone please assist me!