Hurt , confused , frustrated and angry

Medical aid was supposed to make our lives a little easier however I've been living nightmare after nightmare with discover key care plus.

I hardly use my medical aid and when I do Its because I really have to and when I do its always a case of we dont cover this we dont see to that you need to pay cash for so and such and when you do get a referral you get told to contact medical aid to get authorisation so I do that and the lady on the line says i need to get icd 10 code from casualty.

I've been using discovery from 2016 and every year the fee goes up yet service gets more and more pathetic and we get covered less and less every year.

1st they dont pay for medication 2nd they only cover casualty visits for emergency the lady I spoke to today says that an emergency means that u dying and need to go to hospital so if u not sure u need to Google symptoms and then she tells me that if I'm still not sure I can go to casualty if I feel it's an emergency and once the dr sees me and it is not an emergency u have to pay for the casualty fee visit which is 3500 excluding 390 for consultation, even for a follow up visit I have to pay the R3500...

Please note that this is the lowest income band of medical aid if u pay R1 less than what you were supposed to they quick to contact you to let you know they've suspended your cover. yet you pay every month even if u dont use the medical aid and they are happy taking your money but them moment you need to use it they dont cover for 100 things and dont even notify you about said changes.

The lady I spoke to today says I was notified about the change and about the increase in payment for this year on the 21st or 23rd of Oct 2019. I went through my emails to find said communications but there is nothing I even went online to see if said notice was sent and still nothing she says that she isnt saying I'm lying about not receiving said notification but she is telling me that I did get it . I was so upset that I didn't have the strength to deal with this after an hour on the phone with her she wasn't helpful and rather tells me I was supposed to contact them sooner then I did.

She refused to assist me with pre auth to see an ent

She is so unpleasant and not at all professional

How can i feel at ease knowing that discovery doesn't value us as clients