Re-imbur*****t woe's

Hi my name is Roiauda Shamsoodeen and a Discovery Health member on the Key Care Plan. I had the opportunity of experiencing the wonderful service of discovery health.

I needed to visit a Dermatologist and was advised by a Discovery consultant that I would need a referral letter from a GP which was on the Discovery network to vist a Dermatologist.A SPECIALIST REFERRAL FORM was obtained.I then e-mailed this document to the authorization department the automated reply said that a consultant would call me back in 2 to 3 working days. Did not receive a call back. I called the Discovery call centre to verify that all is well for the visit to the Dermatologist and I was advised that I will have to pay the consulting fee and I would be re-imbursed withen 2 to 3 working days. I went to the Dermatologist on the 14th of Septemberand paid the consulting fee which I was told by discovery I could claim back. I submitted my claim and thats where the FUN started. I called the claims department to follow up on the claim and was told the date on the invoice is incorrect I then called the doctors room to get a another invoice with the correct date.I then submitted this invoice to the claims department. I called discovery on the 18th September and was told its going to take another 3 days to be paid. I called Discovery again and was told by Tendani Netshiungani that I am not getting a full refund as I am on the key care package. A portion of the amount is paid to the doctor should I go back for a checkup.I have already paid the Dermtologist and I have submitted the claim......Why was the Dermatologist paid and NOT me? I was not happy with the doctor so I am not going back to him. My problem is that I was not informed of all the Discovery procedures in advance, its only after my visit to the Dermatologist and while querying my claim that I started receiving bits and pieces of information. They also did not say 2 to 3 working days to process the claim AND 2 to 3 working days to pay my money back to me. I called Tendani again and was advised that she would be unable to assist me further as she is only THE BROKER.She reffered me to Kelly Govender at Dicovery.Kelly Govender advised me the same again...."the Dermatologist has been paid and i would receive my portion"....Again...WHY was the Dermatologist paid and not me? I called the Dermatologists rooms and spoke to Karen in accounts who advised me that they did NOT submit a claim but have been paid. Nobody at Discovery can give me a definite date as to when i will be re-imbursed, if at all or why the Dermatologist has already been paid after i had already paid him in cash. Will someone well versed with Discovery policies and procedures please give me a call and answer my questions and also give me a definite time as to when i will be re-imbursed.