Plan Change Not Allowed

At the end of every year we get the opportunity to change plans. It takes effect January of the new year. I realised now (only one month/premium later) that the plan I selected is not going to work for me. Discovery's attitude sucks - when I phoned to find out about changing, they said that I cannot change now and have to wait until October. I am scheduled for a procedure at the end of February and they could not be bothered. The agent wanted to know if the procedure can't wait until then. When I mentioned there will be an amount payable on admission (R7 650.00), the agent's attitude was basically "So what, just pay it". (GAP cover will also not cover this amount.) Also that I should go to another doctor - this is after I informed her that I had a consultation with a specialist and this would mean another consultation at specialist rates. I am very unhappy firstly with Discovery's attitude and secondly with their inflexibility when it comes to the member's needs and requirements.