plans mess up

So we have a broker that deals with our accounts. <br> they ask what i need from my medical aid.. i tell them... he recommends that i take the Classic Delta saver, because when i need my benefits, i can use the self payment gap and continue through to use more of my savings after that period. so i dont use this for 4 years so you dont know that we dont have it... Now that i need it i get told we are on a plan that does not have a self-payment gap and that when we get through our savings, it is all over for the year. we get unlimited dental apparently, but not anything worth while, as my fiance had 1 (yes one) tooth repaired and its wiped out our \savings\" . so this is how you get penalized by NOT over-using your medical aid. "