What do Discovery pay for these days

I am disgusted at Discovery's constant NO! What does Discovery actually pay for these days. I can tell you. Nothing. Not my prescription eye glasses, not my dental visits, not my gynae visits, not contraception, absolutely nothing. The MSA is my money so don't tell me you do pay but out of MSA. Why does Discovery not allocate more of the monthly premium to MSA? Everyone I speak to runs out of MSA within a few months of the year beginning. It is day light *******. If I need prescription glasses why must it come out of MSA? If I am trying to prevent future claims by visiting dentists and gynaes why am I penalised. I should be rewarded to going to have these checkups and not with random Discovery points. Let's talk cold, hard cash. Now I want to have a Mirena inserted but it has to come out of MSA AGAIN! Disgusting, disgusting, disgusting. We are a family of 4, allocated about R13,000 a year for MSA despite paying roughly R3,500 a month for medical aid. It equates to R3,000 per person on the family. The Mirena alone is R4,500 + annual gynae visits R1,700, etc, etc. I have been paying out of my own pocket for the last month already! Work it out! You are thieving *******s.