Not so Understanding Discovery Health

So when you need to see your GYN/OB you need to call Discovery for an authorization code and then you can make an appointment. That I understand as I am on the KeyCare Plus plan. <br> <br> In August I had severe pains and I called my GYN/OB office and they said that I need to come in ASAP as it is an emergency. With it being an EMERGENCY, it is obviously unplanned. So I couldn't obtain an authorization code to see the doctor. So I paid R1500 up front, afterwards I spoke to an agent at Discovery Health Call Center and I was advised that I can put through a claim to get the money back (I have emails from them too). <br> <br> After providing them with all the necessary documents I called them again and they said that they will process my claim in 48 hours.<br> <br> 48 hours later I received an email from the Claims Department - I was advised that they can't pay out my claim because I didn't obtain an Authorization Code.<br> <br> All for nothing, so disappointed in Discovery. So no process is in place for an Emergency I guess.<br>