Pathetic service

I visited the hospital in March due to emergency and fedhealth refused to pay, nobody called to explain the reason for the decline on the 06 of April I visited my gynae for my appointment but was unfortunately admitted upon the hospital submitting the claim I was informed it was sent for underwriting I was shocked because when I joined I disclosed everything upon finding out that I was pregnant I called the skim to inform them and they did their investigation and sent an email that was approving maternity benefits I called the call central I was informed that the meaning of approved means everything pregnancy related will be paid by the skim except the day to day visits....but to my surprise the claim from hospital is declined again and I really don't need this stress as I am due next month and don't even know whether the medical aid will pay for my delivery or not the anxiety I have right now. The most annoying part is that they don't even allow you to speak to underwriters and their agent are soo *********** with regards to giving feedback