WORST SERVICE EVER!!!!!!!

We are on Discovery's Classic Comprehensive Care Plan. We have over R75000 in our MSA and it is barely April now the medical aid says our savings is depleted which is impossible!!!!!!!!! Although the transactions do not even come to 10% of that. Where did everything disappear to. Is this *****? Did they lie in the news when they said they wont be taking back THEIR mis payments from last year???? Because it seem we are paying for their mistakes!!!!! Being on such a high plan our blood tests are consistently not being paid. Half of our chronic medications requests were declined even though the doctor motivated!! Our hospital cover which is 200% and yet my stay in December was not fully covered which in total is less than our monthly payment. We consistently have payment failures from approved procedures. My son and husband had dental care done which was approved but they refused to pay the anesthesia? Are you just *****ing our money every month without providing a proper service???? Why is it that every year your customer service is consistently declining??? Are you not suppose to support in a time of need???? Otherwise what do we pay you for?? You are not doing us a favour we procure a service from you. But it seems failure is Discovery's new moto.