Discovery does not appreciate its Member Goodwill

DISCOVERY you just keep disappointing this Classic Comprehensive Member: It seems to me that Discovery are not only driving Doctors into wanting to exit the profession of Medicine, but are now squarely targeting Members into exiting. The latest discovery I have made about Discovery and its arbitrary policy decisions based on actuarial services it employs multiple actuaries to concoct: A Savings Account is ONLY there to service Discovery. Not the client. If you go to a Doctor who claims over Medical Aid Rates, Discovery will pass that over to your Medical Savings Account to settle. However, when you are in the Self Payment Gap, Discovery will only recognise payments you have made, at a percentage of the Medical Aid Rate, not the full medical aid rate, and certainly not the amount charged by the Practitioner. As an example, I was charged R 1100 for a service designed as a follow up to a heart operation, involving multiple tests etc. Discovery ended up crediting me R 500 towards my Gap and not the full amount. I wish we as Members had the courage to launch a Class Action against Discovery for multiple issues of abuse of ourselves and our Medical Practitioners. The reality is that Discovery is TWO Companies. The Management Company, which insists on the same margin in has always insisted on earning from our premiums so that it can fund for personal benefit those feted Philanthropists who ride their public profiles on the back of what we pay the, drive around in porches and distribute expensive cars lavishly amongst their family members. The change has to come in two other places which affect us, namely the increase we are subjected to annually and also a continuous reduction in our benefits, as well as additional layers of bureaucracy designed not to service us, but to service Discoveries coffers through their random regular rejections of claims. The real problem is that once you are trapped in Discoveries VORTEX and Eco-System, its impossible to get out and not harm yourself. This is NOT a CUSTOMER CENTRIC COMPANY. It is OPPORTUNISTIC!