Discovery medical aid a bunch of *********!

My wife gave birth and opted to use a mid wife. The mid wife charged R9000 to which we paid upfront and discovery to refund. When it came time to refund they only paid R1161. We queried this numerous times and the answer we got is that the midwife is a non designated provider and charged more than the scheme rate. How on earth is that more than the scheme rate for more than a weekends worth of work. My wife was in labour for almost 2 days and the midwife was there with her for more than 14 hours. Eventually my wife had to have an emergency c section as the baby was in distress (another story a together to get Discovery to pay). So Discovery please explain this to me and please log this with the medical cousil or medical OMBUD if there is one on how you pay a professional R1k for more than 14 hours of work! Next year definitely changing to Bonitas and you can loose 60k a year for a measly 8k you don't want to pay!