Fedhealth Medical Scheme - Something's Fishy

I've been a member of the scheme for over a decade, currently paying over R3,000 per month for a single member and can count my claims on one hand. Upon calling them to query why my dentist's bill of +/- R1,700 was rejected, I was informed that I need to 'exhaust' my savings account before they'll pay anything. I pressed the issue requesting to know what my annual dental benefit is if I had no savings - it's R7,400 but again was told that because I have more than that amount in accumulated savings, I need to 'self-pay' out of the savings portion they hold since they are "trying to make my medical aid more affordable and it's very beneficial to me" . Surely this cannot be right and what they're doing is *********? My understanding is that other schemes pay service providers from the annual benefit and should the limit run out, they draw from savings. I'm now exploring other schemes and will be switching as soon as I find a suitable package. They have recently acquired TopMed. To those members, please have your portfolio evaluated as you may be throwing good money away....