Discovery is a Haux!!!

I am a very unhappy customer!!! I had the 5% late joiner penalty, which in my opinion is very unnecessary if you had good health all the time. Last year I joined discovery, where I could have gone with a cheaper medical aid, but because they offered me the concession of being under 45 and healthy DO AWAY with the 5% penalty FOR GOOD, I went with Discovery. Exactly what does the 90 days mean - I though it meant NO UNDERWRITING because you actually sign up as not having had any changes in your health, I went over from one employer to another and was not sure how to change the payment, it use to be paid out of my salary and now it had to be paid out of my banking account, I am still within the 90 days but it is either re-in statement on a HOSPITAL plan (with no outstanding accounts) and having to pay in the 3 months installments - on a Widow's salary, or going with a new plan with the 5% late joiner that was taken off last year - Discovery is a Haux!!!!!! And I have to sell this to clients, how will I sleep at night knowing they go back on their word the first chance they get and not giving a damn about a person????????? I do not have this extra money in a month and I just want to make provision for my son, if Discovery could do it last year, they can do it this year again - stop milking people for everything they have - OR DON'T HAVE!!!!