Maternity Benefit?

I changed to Discovery Medical Aid last year... I pay more now than my previous medical aid and was under the impression that it was the "better" medical aid. I activated the maternity benefit and at the time felt comfortable about the benefits that was mentioned to me. My first consultation with a gynaecologist, and I only received 32,5% of my claim back. I am aware that the doctor charges out of the Discovery rates but the fact that Discovery only refunded me R423.60 for the consultation is really disappointing. This has caused major stress in what should be an exciting time.