Unclear Scheme Rules

Just cancelled my Discovery. I recently had to downgrade because we could no longer afford the high premiums. I switched to the Keycare Start Plan. Everything was inconvenient and the strict rules made it difficult for me to get them to pay for doctors and medication. I had to be embarrassed at Clicks when I was told that I would need to pay for my medication because they were not the right pharmacy. I paid and phoned and was told that there was only one pharmacy in my area I could go to and that my nominated doctor has to prescribe it. I would go for tests or see specialists only to be told I had to go see my nominated doctor first who will then recommend a network specialist and even then might not pay all of it. Not user friendly. Requires alot of time and effort. You have to read or enquire to find out the rules. But they can easily take your contributions every month.