useless medical aid

I had an emergency on the 14/06/2015 @ 4am and had to visit the ER as i had a severe ear ache. I was assisted by a Dr from the ER who wrote me a prescription for pain killers & referred me to an ear specialist i was 2 see on Monday. I called discovery twice in the morning after the doc i was supposed 2 c advised me that they only take cash & not medical aid & i asked them if they had ear specialists in their network i could go 2 and use my medical aid instead of paying cash. I was told there was 1 in sandton but i had 2 be referred by my GP 4 me 2 be able to see him which is a useless process when you are in pain. I decided 2 go and see the doctor and made cash payments for the consultation, procedure and the medication and then sent all the info to discovery claims Ref Nr:***. I called 2day & i was told my claim had been rejected bcoz i was supposed 2 get a ref no from discovery b4 going 2 c the specialist. How was i supposed 2 know this?? I called your call center twice that same morning (check your call recordings) and not even 1 agent mentioned this 2 me otherwise i would have asked the doc from the ER 2 request a ref. What is the point of paying R1.300 every month