ONE SIDED BENEDIT

Hi. I write once again concerning discovery medical aid. I have changed my plan back to a hospital plan. I am a known diabetic. When I had savings on my previous plan then I was given meds which were prescribed by the doctor. Ever since we changed over to a hospital plan, I am now being given a generic as there is a co payment. So ultimately we paying for this medical aid and if there is no savings then we are given generic meds. So....the big question is...WHAT HAPPENS TO OUR CONTRIBUTION ON A MONTHLY BASIS ESPECIALLY WHEN ITS NOT BEING UTILIZED??? We are five in our family and our medical aid is hardly ever used. So WHY are we making Discovery rich? If that be the case then we can keep p our money in the bank. There is always a problem. Be it with admission and now medication. This is a total *******.