Good health with Fedhealth

Fedhealth is a good medical aid and since I’ve been using it have never had any authorization declined or had to fight with them for anything I’m currently happy with everything. What I need from them is that since we are using our own savings can they atleast allow savings to buy everything needed and not reject other meds and medical things. It’s my savings I pay for it monthly at least allow me to use it without rejecting anything, if I have R15000 of savings and I need a C Pap machine worth R11000 let my savings pay for it because it’s my savings that I pay for every month.