Discovery refusing to pay claims.

Discovery is the master of doing everything they can to not pay claims. I had a medical procedure which i had to pay upfront for and 3 weeks later we are battling with to receive a refund for a procedure that was approved. Not only are they delaying payment, they are now saying they will pay less than 20% of the funds. Furthermore, we have double paid because they were greedy enough to take money from our savings account depsite us having made a co-payment. They have absolutely no respect for their clients when you do eventually get sick, and instead you deal with people from the call centre who make up silly excuses to not process your claims. Treating customers fairly is something you clearly don't know how to do.