Pathetic service from Discovery

An absolute terrible experience with this service provider when it comes to Medical Aid, i have paid my monthly premiums, and still go to my own doctor and pay cash for each consultant. i have been once to a doctor on their network who is ridiculously slow and attending to claim queries, I have to go for a Gastroscope and called for authorization and that was pending for more than a week. I went for the scope and sent through all the documentation to Discovery for a reimbur*****t and it was declined! Discovery sinks your money with empty promises!!