Terrible Experience

I have had the worst experience ever with not only Discovery Health but the Ombudsman also. The story is quite long but in short, I had medical aid with Discovery found out I was pregnant and requested a list of gynecologist that fall under my plan, this list was given to me and all payments(claims) submitted no problem. Once I requested authorization code for birth Discovery then informed me I am not on the plan long enough all payments are reversed. I then took the case to the Ombudsman and was ruled in my favor Discovery then appealed and I lost the case. Here is my issue-to appeal I need to pay R2800.00 money I dont have, also should Discovery not have seen I wasnt on the plan long enough before allowing me the gynecologist visits? The ombudsman also says my doctors letter that was issued is ****, why was this not picked up in the first instance? So Im a little fish in the pond of sharks, I have to pay R4400.00 charges that were reversed neither the ombudsman or Discovery have even suggested or offered assisting with half of this payment. DISGUSTED MUCH!!