Fedhealth covers nothing outside of hospital! I don't want your vault!

Maybe I was just expecting too much from a medical aid? We are on a very expensive plan.. but only seem to be covered for GP visits and hospital procedures.. and even then, there is almost always an amount we still have to pay. They took away savings and added a "Vault" loan account.. I declined. I see I am now automatically on it. They said the vault would save us money, but was charged over R3000 more in January. Every. single. thing. our family has needed over the past two years has not been covered. From serious things like a CPAP machine for very severe sleep apnea, to contact lenses, to podiatry and orthotics. A family member on Discovery gets a new CPAP machine every two years.. I have had nothing from Fedhealth after 2 years of trying. I even submitted a letter of motivation. The bots on their website are not helpful, and it takes hours to get information from the chat, even with a real person, as they have to keep checking every request with a supervisor.. be prepared to wait 45 minutes to get a (vague) answer. After being loyal to them for a decade, I am investigating my options!