So what does Discovery Key Care Plus actually cover??

<p> I have a large mole on my right shoulder which i have lived with for the past 22 years. I got used to the fact that i couldn't ware strap tops or dresses or go out swimming or even be in the sun for that matter. In the past year the mole started changing colour and started getting infected repeatidly which would cause a foul smell and pus would come out of it and get onto my shirt. Not only do i feel embarassed by it but also worried. In the past year i have been put on antibiotics over 5 times only for the infection to return. In March i was referred to a dermatologist who advised that it needs to come off because it has a big risk to cancer since its quite big and is changing colour and getting infected. Being put on antibiotics so many times has made it difficult to heal when i get another sickness such as the flu as my body has almost become resistant to it. Key Care Plus covered about half of the payment for the dermatologist and i pad a co payment of R270. I was then referred to a plastic surgon who advised the procedure would take around an hour and that she would send a motivational letter and pictures to Discovery so that they could give me authorisation. I phoned Discovery 3 times in a space of a week as the operation was supposed to be on the 11th May and had no answer. Yesterday i received an email stating that the review team has declined the request as they don't cover skin disorders and that it falls under a cosmetic procedure and that i would be liable for all the fees. I phoned the hospital to find out how much it would cost and they said around R30 000 excluding the pathologist, the anaethitist and plastic surgeon. So what exactly am i paying R2000 a month for??? I feel so disappointed and i really can't afford to pay over 50K on removing something thats affecting my everyday life.</p>