Great when it comes to my GP payments but not for specialists.

I now get anxiety just booking a visit to a new doctor wondering if I'm wasting my time cause whatever process that they will suggest might not be covered or fully covered. I know that there's limits for certain things but what is the point of paying a huge amount of money monthly and having savings that carry over to the next year cause I could not afford the amount that the medical aid (Classic Comprehension) would not pay so I don't do the treatment while there's a lot of savings available. I have scripts for scans that I just have not done cause it's exhausting.