The Discovery maternity benefit is nothing but a ****

The Discovery maternity benefit is a ****! Once you sign up for the benefit, you are given a brochure of all the wonderful 'benefits' you will receive. On the classic priority medical aid scheme, you are supposedly covered for 8 antenatal visits, certain blood tests etc. I understand that discovery covers for medical aid rates only, but they don't tell you that their rates are ridiculously low! My first pregnancy consultation was R2200, my maternity benefit only paid R397. There is no gynaecologist in south africa that charges such a low rate for a consultation, regardless of which gynae you go to. The rest of the money came out of my savings. I then needed to do the NIPT blood test which costs R6818. Discovery said that they would only cover the cost of that blood test if I was having a high risk pregnancy. This is absolutely unacceptable! Why am I as a discovery member not being allowed equal rights to these benefits? How is this a benefit when you are paying more than 90% of the bill yourself?!! The doctors fee for the day of delivery is R25000 which discovery will only cover about R7200. I thought that I could claim from my gap cover for the outstanding amount, but I was told that there is a 12 month waiting period for maternity and birth cover. How does this make sense when a female can fall pregnant at any given time?!.. so this leaves me without a proper maternity benefit and gap cover which is now absolutely useless to me because I can't even access it. If I had only known-I would have definitely changed over to a different medical aid provider which caters for pregnant woman instead of ripping them off.