GP Visit not being paid by medical insurance after savings were depleted

I am extremely;y disappointed with their service as all my medical saving are finished and the plan that I am on I am entitled to a few additional visits to the GP but to my surprise I was sent an invoice by the GP and I was told the benefit is not open to certain Drs but previously I could go to any dr that takes discovery, but my new financial advisor was also advised that this changed, to my surprise I advised her that I was never notified that the terms of my policy had changed, I think they have a problem with communicating things as I was never notified when the last two advisors left and I had to follow up. I am not going to pay for the invoice and i am also considering cancelling my medical aid and additionally cancelling my life policy and car insurance as well and take my business elsewhere