Fedhealth the pyramid scheme

I wish I can give them zero, I'm a direct payer and been with medical aid since 2020, I then joined Fedhealth last year November, I gave them membership certificates to prove that I was a member without a break, now everytime if I or one of my kids is sick, they always refuse with authorization, I don't know what else do we need to do, I first joined Flexifed savy, then I was told it a PMB cover, I changed to MyFed, they said MyFed is not PMB cover, now if I'm sick they always say MyFed is a PMB cover. I'm suffering now with Asthma and Fedhealth is refusing with authorization, although we have done with 3 months waiting period. Even Jeremy their principal officer is relaxed, I wrote to him more than 8 times, but he doesn't care and he doesn't respond to my grievances. I'm regretting joining Fedhealth, they're toying with our lives.