WELLTH fund is not 'empowering' - it costs me out of pocket even thought I already pay for your most expensive plan

I recently had to upgrade to your most expensive Medical aid the 'executive plan'

On the 1st of January 2024 when my new plan came into affect I had to visit Unitas hospitals emergency room for a Head and Neck injury. I felt very calm and rest assured as I am on the top plan that you have as a company.

Much to my surprise I am left with having to pay more money this month for the drs at the emergency room because you decided to pay for that emergency visit through my WELLTH fund, which is a joke because I have plenty of medical savings available, but now of course, I have to pay out of my own pocket because your WELLTH fund didn't pay fully for the doctor. I did not opt or ask to use the fund, and I cannot understand why you decided to use that as my claim!

So I am not about R11000 out of pocket for this month paying for my contribution and then the emergency doctor that you did not cover.

The emergency doctor then referred me to have a CT scan on my head and neck due to my injury. Of course you allowed the co payment to come out of my MSA for one of the scans, but now you are claiming that the ICD 10 code used for the other is incorrect and I need to pay around R3000 for one of the scans.

That leaves me out of pocket about R14000 this month alone. But I still have my savings, but you guys pick and choose what you will and won't cover and whatever 'fund' it will come from.

The WELLTH Fund covers a comprehensive list of screening and prevention healthcare services to ensure that you are empowered to take specific action according to your individual health needs-this is your company write up about your WELLTH fund. It is hot empowering me to take specific action with my Healthcare. It's actually quite the opposite. I recieved no option to select which fund my claim came from!

It is the first week of January and you have already found a way to make me pay even more for my medical aid 👏.

I shouldn't have to worry about paying for an emergency doctor when I have 30000 in medical savings to use. I shouldn't have to worry about paying for a CT scan when I have 30000 in medical savings. I shouldn't have to worry when I am on your top plan and it is the first day of the year that I need to claim. I shouldn't have to worry and fight with you guys when I have a head and neck injury!