So much policy and too much wasting time while you need to go to specialist.

We had a family plan for discovery key care plus, which was a wasted of time and money's only worked for day to day Gp and dentist. The time when we referred to specialist by GP, they're took us two months for authorization, which they are independent asking gp about history and also from X GP again about history, which I though what a waste of time while you need to go to specialist you need to wait for 2 months, however I was going to discovery place in sea point which they employees also was feeling my right. And the worse part they did debit deduction from my bank R1000 extra every months with out our knowledge only for one of us which they did becouse of penalty of not having insurance before, while I taken documents of my previous insurance, they was passing day and time again and wasting time another way. With all these situations, I believe there's nothing to be different between momentum and discovery, so what's the result? we pay like 4x times every month, and the end of the result doesn't change.