MSA fund maxed out by Radiologist and causality

The worst medical aid scheme ever. Was involved in a car accident on the 20th of Jan 2025 was also taken to the hospital . Monthly basis I pay R3k the only member on my medical aid. I was taken through Xrays , and monitored for 4 hours but did not get admitted . The next morning went to get medicine at the pharmacy as per the prescription was informed I'm out off funds , so casualty stay & xray took away my MSA funds .Now Im being told that the "unlimited hospital" does not include casualty and I was alloactd R3500 funds for the whole year . So please tell me why the F#&$k im paying my medical aid for 3k monthly so that I can top up with my money. I need to go to Bonitas as November is to far. No one has helped me since to solve this mess.