I was a member of di...

I was a member of discovery for the past 15 years this year I defaulted for three months, my premium was high I couldn't pay the back payment to stay on the medical aid... After my failure to pay the back payments of three months which was close to R50, 000, I reapp**** for a new membership, but first i spoke to the consultant if i will not have a waiting period for my chronic medication which she told me, i was not going to wait as i was just coming from the previous medical aid which is Discovery... The only waiting period will be the three months after everything will be activated... This afternoon I called becoz I i had an incident where it was declined for counter medication at a pharmacy and i wanted to know why was it declined. I need to know the issue of the waiting period for the chronic cover and the declined medication of last night Can someone assist me in sorting this asap?? Also why is the waiting period for chronic 12 months when me and my family were already with discovery 3 months prior to getting a new membership? Chronic is very expensive, Dr's visits and blood tests in which if we cannot afford the back payment from the previous medical aid, how then will be afford cash for the chronic costs??? Mine and my wife's chronic health is at risk which is unfair as I've paid for the premiums all this time, we've been on the chronic programme on the previous cover and on this one, in which we don't understand why we subjected to a waiting period of 12 months