Discovery won't pay for Homecare with the excuse that my grandmother requires frail care which she doesn't

Discovery is like the boy in the giving tree and us members are like the giving tree we give Discovery Health our hard earned money and Discovery Health takes our money from us until we have nothing left and then the mess us around and won't pay with OUR money for the medical treatments that we need with OUR money which they have in their coffers with a lame excuse of it is General Scheme Exclusion in my grandmothers case the care that she needs at home is just an extension of the care she is and has been receiving at Orchard Lodge Step-down Facility the only difference is that it will be provided for to her in her own home and what does Discovery Health do they decline the application for home care claiming that she needs frail care not home care and that they do not pay for frail care. Read all the false information on www.discovery.co.za/medical-aid/homecare-services Discovery Health claims that there is difference between home care and frail care because their definition of home care is if a member needs IV's, a ventilator, wound care or end of life care which is not disclosed on the above page of their website until we wasted our time applying. Further to this Discovery Health is providing this service under Grove Nursing Services that they bought over because the Board of Healthcare Funders would not provide them with a practice number. What I further forgot to mention is that this is paid for from the Medical Savings Account, Above Threshold Benefit and Al**** The****utic an Psychology Benefit of which there are still enough funds available in all of these benefits and Discovery Health sees it fit to decline paying for the required treatment for an 85 year old woman who has been their member for many years.