No assistance and willingness to help

I received the worst service from Discovery medical insurance. I app**** and got medical aid for myself my daughter of 3 and my husband last year September. So with the 3 month period the medical aid I could start using from the 1st of December 2021. But then my work took a turn for the worse we got to work October and we were told we would be on short time and that the owner can't pay us October. I phoned discovery the consultant said I have a few days to pay then I phoned them again just to let them know we were retrenchment also the process was not followed I asked can't I downgrade maybe to a cheaper option they said no I was willing to pay the outstanding but I ask for them to assist me and no one was willing to assist the consultant said if I pay the outstanding amount within 90 day's the medical aid would be activated and I could start using it. When I called them the other day another consultant assisted and now they want me to fill out a declaration of health so now if I want to use the mediCal aid there is another waiting period I need medical aid an no one was of assistance to me from the beginning I even asked the months I have madecided payments can't they take a service fee and give the rest back so the consultant said I used the medical aid already and I didn't use it yet because it was cancelled and they said it was used for bloodtest's I went to ask the company I have proof discovery did not pay for it so can I have my money back please or can I pay the outstanding and start using the medical aid like I was told I could start using immediate. Gosh this is so frustrating