Fedhealth is the wors medical aid I've ever seen no matter how attractive it seems fo not ever take this medical aid it destroyed my budget to the core

I've never a experience such a traumatic experience for the past 15 yrs on medical aid Fedhealth is the wors experience ever. I am still asking myself why would my employer chose this medical aid things are not properly explain you just found out later,you need to dig your own information I have run out of savings it not even half of the year because Fedhealth agent not explaining things to us. I've been to NETCARE CASUALT 3 TIMES this year only to found this is taking from my savings because agent didn't tell me about 48hrs turnaround time of which this is new to me 1st time using this kind of medical aid or hospital plan perhaps. Thursday I requested authorisation from the chat on WhatsApp because my Son was sick I was advised to take him to casualt and within 48hrs to report back to fedhealth.friday I took him to hospital from Casualt we were admitted until today I tried over the weekend this we WhatsApp chat it was offline I thought because it a weekend not a working day to some, Monday it was a holiday and Tuesday morning I tried again and agent gave me different number to contact with lot of information required doctors, code's etc I told him I wasn't told Abt this on Thursday when I requested information now 48hrs passed due because I was using the incorrect channel to request authorization why would Fedhealth agent fail is this much if all this were explain from the 1st casualt check in I wouldn't run out of savings because even after the first time I asked why my savings were taken off and I am still owing the hospital I was told Fedhealth doesn't cover casualt I wasn't given proper explanation.again now my premium is going up but the service am getting is so poor from R4339 I am now paying R5400 because I had to pay from my savings a benefit that's should hav been paid on risky how I am going to survive the whole year with such disaster yet I spent time enquiring information to he misleaded by agent. I am now seating on zero again Bonita's I was paying R3500 for everything no authorization request etc here I don't even see my 2025 increament because I was placed on thus flexfed 1 that your agent assume it marches my Bonita's option I am so angry and frustrated of the service I received if I was told all the information as I requested nom of my savings would have paid casualt fees again I will be owing hospitals how much I am earnings to keep on loaning savings to he taken out for casualt fee's even if I ask am getting limited information so that's it will cost me I am enjoying nothing with this medical aid I hate the Day my employer forced us to join this cos it giving me anxiety daily