Taking savings funds when should be PMB

Medical aid should have taken funds from PMB, not from medical savings for a psychologist appointments. Diagnosis is the same for the entire year, paper work is always slightly delayed. Even though the medical practitioner has motivated that this should be paid from PMB. Discovery have rejected this, saying they recently changed their policy on the backdating of this PMB.

I have had this done a few time, it has never been an issue. I also had scopes done and then backdated to PMB. Only after certain proceedures are performed can you obtain a diagnosis which determines if this is a PMB or not. So to ask for this upfront does not make any sense.

As a result all our funds are depleted and I have a lump/growth which my GP advised I needs to receive a scan for, but due to funds been depleted I now need to wait which is negatively affecting my health.