DOUBLE DEBIT AND NO REFUND!!!!!

My debit amount was double my premium for the month. Getting through to a consultant is a nightmare. I have a 7 month old baby and cannot be holding on for 45 minutes at a time!! How else do I get assistance regarding a refund? It is January and many of us parents have extra expenses. My bank account is in a minutes figure due to this payment!! I have been financially inconvenienced at this part of the year and am still unable to get through to a consultant!!!!