Quick to pay medical prac and hospital but out of savings - No help at all

I have cancelled my medical aid due to a number of circumstances. First: i had to rush to hospital as my son had fallen off the top bunk bed, he had a concussion and vomiting. Mediclinic wanted to book him for over night but they had no beds to accommodate him, that night they wanted to transfer him to another hospital out of town. To top it off the gp on duty that night was not even interested in doing anything as he was ready to leave but was quick to claim from my savings for a 5min consult of bending my sons arms and legs. The next gp on duty that took over had requested to do a CT scan of his head, I had to pay for a call out fee of R300 and they also charged my medical aid savings of R2163.70. The total cost of everything came up to R3220.10 excl the call out fee that i had paid. Second: I change financial providers as the one i had was never in contact with me and i wanted to speak to someone in person, He had a look at the option plan i was on and told me that the option plan was not covered in my area's network and that at any point i was admitted they would transfer me to another hospital that was on the network. I was never told about this and shocked when i found out. They then changed my option plan to a higher one to which i could not afford so then i decided to cancel the medical aid. Thirdly: I received a call from discovery saying i owe them money as i went over my savings. I told them i was not going to pay this as the funds that they took from my savings should have been covered in hospital benefits. I had contacted mediclinic and the gp that claimed, to no help from them at all nothing was done and now discovery is threatening to black list me if i do not pay them back my savings. I have been on other medical aids and have never been asked to pay back savings. This is the first for me and should not be allowed, I was never informed about discovery MSA.