Non support from Discovery

I am in terrible pain. Had to have an ambulance bring me to the hospital due to extreme pain. But I am covered right? Wrong! Discovery decided that I need to pay R3000 towards the MRi and nothing towards the facet block (R6700) that would bring relief to my pain. So what other options do I have? Surgery (which they will pay for at huge expense) or go home and go through this agony on a daily basis. Thanks Discovery. I really appreciate your support during this difficult time.