Extremely Unsatisfied! Discovery - A medical aid that doesn't look after their loyal clients when in need.

<p>I have been a member on discovery for a couple of years now, and have to admit. I havent used the scheme much. I'm currently on their Keycare Plus option. This is the lower income based bracket, which at the time I felt was approriate, since I'm a healthy student, 24 years old, without any health issues and this is what I can afford (Afterall, I only neeeded the scheme for hospital cover or emergencies). I have used the scheme around 2 times a year, always related to a visit to the local GP for a ear infection. But my last visit to the GP was the last straw. Every month, I pay around R900 of hard earned money (which I already dont have much of), to have the peace of mind that I am covered for the unexpected emergency or accident, or to know that if I'm ill, I have the option to go to a doctor. But not once has my medicine ever been paid by discovery. Every time since I have been on the medical aid, If i visit the doctor I had to pay around 80% of my account for medicine. The medical aid then further states that they only pay for certain medicine or generics - This is rediculous, since the list they pay for is outdated, and no pharmacy keeps the generic medicine anymore. So now, where I had the peace of mind of not having the unexpected medical bills, I'm actually afraid to go see a doctor, since I cant afford the additional cost of medicine. Further, they mention that they pay for basic dentistry in their keycare network. I'm not one to misuse any products, and only use a service when it is really needed. For the fist time in 2 years I have used the dentistry option, and went to go see one of their Dentist, that did 2 fillings for me, I had to pay R480 . There was 2 more old fillings that needed replacement, but I was told to get authorization first. I did this, and surprise surprise, they won't pay for most of the procedures, becuase it exceeds the medical rate (Remember, this is one of their own network dentist). Again, for the fist time in months, I have a pain in my ear. Went to go see the doctor, got my prescription. Went to the pharmacy and was greeted with the same old statement I have heard so many times before, "Your medical aid doesn't cover your medicine". Again, with the little money I have, I have to fork out another R400. Go home, being disgrunted and carry on with life. But like I said, this was the last straw! </p> <p> </p> <p>I'm writing this complaint as a fully disgrunted member of Discovery Health. What use is a medical aid, and hospital cover if you remain uncertain if you are truly covered? If your medical aid cant even cover basic needs for a healthy individual, how do they treat you when you are in real need or emegency? Honestly, If I end up in hospital, I want to heal, not worry about bills. Why should I remain Loyal to them? Remeber that before you join Discovery (The Discovery Vitality or Virgin Active benefit is not worth it when you are laying in hospital with the added stress of not knowing how to pay your bills).</p> <p> </p> <p>I am eagerly waiting for Discovery's Response :</p> <p> </p> <p>"Thank you for your comment.</p> <p>We are currently investigating your query and provide feedback shortly. "</p> <p> </p> <p>In the meantime, I'll be searching for a better medical aid and stop refering clients to them as I regretably have done many times in the past. Guess I have to undo that, and go onto Facebook now and shame Discovery a bit further more!</p> <p> </p> <p>Best of luck to the rest of you guys reading reviews about Discovery Health. I hope you truly find a better medical aid!</p>