Feadhealt is not prepared to walk an exstra mile for years after being with them and just are not willing to help in anyway

I AM ABSOLUTELY NOT SATISFIED WITH FEDHEALTH, I have been on the fedhealth scheme since 2022 and has never used it for any hospitalization, well needles to say, they say if you have to change options during the year due to life changing events that it can be done, I phoned the scheme and asked them if my dad's joint replacement will be covered as it now seems on the option we are on there is no joint replacement cover, so as this was not something we has thought will happen now, he as osteoarthritis in his knee, Fedhealth only send us a form to fill in for option change and then informed us that it is to late to change options and that we can only do this in October and that my dad can only go for the operation next year, he is in such great pain that his mobility is affected and Fedhealth just don't even bother to assist us in any way. What is bad is that when They chose Fedhealth according to them joint replacements was covered should it ever be needed, I personally will not recommend fed health to anyone again and please do not fall for the change option anytime during the year, as soon as they know they have to cover a planned operation they will just decline option change and say it is to late for option change.