Very unhappy with Discovery - Classic Delta Saver Plan

Very similar story to a previous review from 2017

I have been with discovery health for 8 years. I have never had a problem with my plans until now. I read on their brochure that they will cover the costs of a registered midwife and a home birth is fully covered from the hospital plan. Upon further investigation, I find out that there are NO midwives in the Western Cape that they fully cover and I will be liable for a few thousand personally. To think I have full cover and then to find out I will have to pay in thousands for the birth experience I would like.

Because I am pro natural birth and factoring in the high C-section rates in hospitals its important to me who I have as a gynecologist. I then found a pro natural birth gynea based at Vincent Pallotti. I do have cover for this hospital so I thought this will be the next best option, but I subsequently found out that you have to pay in and claim back from the medical aid. Who has R13 000 to pay upfront for a birth? I then discovered they no longer accept independent midwives and I wish to go with Birth Options. I then found a hospital that does accept independent midwives and that has an obstetrician with medical aid rates at Tokai Melomed Hospital. If I choose to use this hospital however I have to pay in about R7000 and I don't have the option to change my plan.

This experience has left me so disappointed and frustrated. The fact that I have to pay thousands to give birth at a hospital that is on the network, or pay thousands to go to a hospital that is not but has affordable professionals is just not acceptable.