Misleading information

Fedhealth has had a widespread advertising campaign....,"the medical aid revolution" they claim that you will pay less and have more control. I have been a member of fed health for many years (since 1994 I think).. You now pay a monthly premium and if you want day to day benefits, you pay money into your "vault" and transfer it into your "wallet". When I asked the consultant what the difference is between paying out of your pocket or depositing money in to the wallet he said there is no difference. Who earns interest on all the money being paid into the vault? I believe this is false advertising and most of us will not enjoy the cover we previously enjoyed