Keycare Medical aid absolutely useless

I have had Discovery Keycare medical aid for the past 3 years. Last week I fractured my ankle and I went to the ER at C****nhoff Hospital. I had to pay R 300 before the doctor could attend to me. After waiting for 3 hours to be seen by a doctor and after X-rays. Because I was on the Keycare Medical aid the doctor could not do much. He only wrapped my leg in a split with bandages and gave me a script for pain and swelling. The meds was not even cover by Discovery keycare. I had the pay R 150.00 cash. He gave me a letter of referral to see a specialist. Here I am thinking that at least NOW I can get proper medical care for my ankle. I email the letter to Discovery and awaited for authorisation. I got sms approval 2 day later. I went to see the doctor on their list of doctors but this doctor Malebo MS at C****nhoff spent to entire consulant complaining about Discovery medical aid. He did not even unwrap the bandages and have a look at my ankle. He just looked at the xrays and told me not to put weight on my ankle. My ankle is swollen, bruised and painful. Dr Malebo said that if i had a descent medical aid I could be walking out with a moon boot and proper care because discovery does not even pay the levy and asked me to pay him a further R 300.00 . I am in so much pain. He gave me a script for more meds that Discovery keycare does not cover. I had to again pay cash. I had to decline one of the meds before it was so expensive that I could not afford it. I am due to go back to work on Monday the 8th because I can not afford not too bec my company does not pay extended sick leave. I travel with public transport which is going to be impossible but i do not have a choice. I will probably end up in a worst of sitution because Discovery keycare does not allow me proper medical care. If i go to a government hospital i will al least get a cast. WHY BOTHER WITH DISCOVERY , THEM JUST MAKE THE POOR,,,, POORER.....