Useless Smart Plan

My daughter cut her head open yesterday after falling off a toy train and hitting the corner of the coffee table. I was on a flight and my husband took her to the GP who couldn't assist not even to treat it, after we got home from the airport I said she needs to treat the wound, what an utter surprise that our medical aid was rejected at Arwyp, I honestly thought we were covered. It was now after 10pm after waiting there filling out forms, when my husband asked if they can at least just treat the wound they refused. My 3 year old could not get any medical assistance and doctors refused to help a little girl who will now have a scar for life on her face. I am fed up with Discovery. There is 0 smart hospitals in Kempton Park, since we moved here I have many times given up seeking medical care because the medical aid is rejected, now its my little girl, my 3 year old, what the hell is going on so we need to drive 17km to the closest place in the case of an emergency and now she can't get stitches that she needed last night. What the hell am I paying R5000 a month when I can't use my medical aid?????