Is Discovery a "Medical Aid" in reality or a Medical Insurance Company?

Discovery claim to be a "Medical Aid", but in fact their services are obviously based on some form of financial algorithm which seemingly defeats the object of having a medical aid. It more resembles a medical insurance. I have been noticing some hearing loss and wanted to visit an audiologist to get my hearing checked. I was told that as the "Medical Savings" have been depleted, I would have to pay for the consultation myself. I then asked Discovery about this and it was confirmed. But when I started asking further, if between now and the end of the year I need to visit my GP, or my Dentist, I will also have to pay for the consultations myself. So My question is, "In what way does this constitute a medical aid service? It is evident that the Medical Aid side of this business has deteriorated into a financially run so-called service, and the company are actually using the established infrastructure to concentrate on other business models, like insurance, banking Etc. Often I feel what happens is businesses lose their core focus and I believe this is a case in point. I have used medical aid services for over 30 years and I am generally not a serial doctor or dentist visitor, but I find this situation contrary to the concept of a medial aid. But then, or course, if I now have to wait some 3 1/2 months for a GP or Dentist visit, in what way does this affect my general health? And when I look at the vast number of 1 star ratings against this company, I suspect I am not alone in my issues or opinions.