Maternity Benefits

When one first finds out you are expecting it is meant to be a joyous occasion. You think to yourself I have my Medical aid I am covered. You go and look immediately what benefits I am entitled to. You search your plan, you get a Dr you supposed to use Only to find out when you go to the Gynae they don't submit straight to the medical aid which is fine. I paid them and sent my claim thinking its fine I am covered. Only to see that I am not been refunded by almost half of the claim. I phone discovery to find out why and they tell me oh your gynae charges out the medical aid rates. so I say but I checked on the app and this dr has a green tick. Only then to be told its a green tick for Hospital and not consultations and then when I ask then who should I use I get told oh wait the plan you are on doesn't have any specialists. Discovery has blantly not offered what they say they will. They say you are covered for 8 consultations for my plan, but I am not!! They should rather say we cover you for 8 consultations but only for a certain amount. We pay our premiums every month and it just seems every time you try to use the benefits you pay for they always try to find a way so that they don't have to pay out. Its not fair and you are *****!!