SOLD INCORRECT PACKAGE WITH GUARENTEES - PROCEDURE DECLINED!!!!!

I am mostly angry with the way Discovery Health and their representatives advise us on certain packages, making promises of saving money here and there without delivering what they promised. My Spouse was on Coastal plan last year and it was advised by our Discovery broker that we should go onto the same medical aid in order to save money for medical aid as well as it will assist us going onto the same Vitality account as well as the same GAP cover account. All this saving of money. We asked the broker (who is employed by Discovery), which would be the correct move (me onto his account or him onto my account). So with their advice, my spouse moved to my account which meant he downloaded from a Coastal plan to my Essential Smart plan. This was guaranteed to cover just the same as the Coastal Core including what was most essential - injuries to knees and ankles as both of us do a lot of sport. My spouse has now injured his knee, and we went to see a specialist, have the surgery booked (ACL reconstrcution), sent through the documentation for authorization, and hey bingo - ITS DECLINED. They state that the procedure is not covered. My spouse is a Mill Maintenance Engineer, which means that he needs to be mobile and on his feet. He can barely walk due to this injury and thinking - we have been covered the whole time for a procedure which is common with sporting injuries (and confirmed by the broker), he no longer can work in comfort and his job is at jeopardy - ALL THANKS TO DISCOVERY. And what makes it even worse, is the broker will not assist because it is out of his depth, his so-called health specialist is on annual leave and we cannot get through to Discovery to sort this issue out. Discovery - what is wrong with you? You make us believe that we are covered for certain things, manipulating us to downgrade from a plan which would have covered us, just so your consultants can earn commission on us??? You rob us. Where do we afford R90k for an operation when we have no job to pay for this because you have cheated us of at least R3000 a month? I do expect contact from Discovery and for this to be sorted out!