Impossible to change debit order date

I am trying to change the date of my Discovery Heath debit order from the 1st of each month to the 10th of each month. Is a debit order of R4750.00<br> <br> The problem is, if I want to change the debit order as of today, they will charge me R4750 on 1 Dec 2015 and then again R4750 on 10 Dec 2015.<br> <br> According to the consultant, this is how it works because the payments are for one month in advance.<br> <br> So let me look at this as per my payments:<br> <br> 1 Oct 2015 - Debit Order for R4750 which cover for November.<br> 1 Nov 2015 - Debit Order for R4750 which cover for December.<br> Change debit order on 19 Nov 2015.<br> 1 Dec 2015 - Debit Order for R4750 which cover for January.<br> 10 Dec 2015 - Debit Order for R4750 because I have to pay one month in advance??<br> 10 Jan 2016 - Debit Order for R4750 which cover for February.<br> <br> That doesn't make sense to me but that is how the consultant explained it.<br> <br> I don't understand why I have to pay double in December. If this is the correct ruling it is absolutely ridiculous.<br> How can afford to carry 2x instalments on Medical Aid in the same month.<br> <br> Anyone that can clear this up for me??<br> <br> Regards<br> Jeanne<br> <br> <br>