Unhappy with Fedhealth FlexiFed

When I took up the medical aid, I was informed that the Medi Vault funds were available to me for day-to-day benefits as well as for co-payments. These funds are like a loan that I would have to pay back monthly. I went in for a colonoscopy and had a co-payment due as well as a short-fall on the invoice from the specialist. The specialist was not on the Fedhealth prescribed list but because of his expertise and great reviews, I decided to see this particular specialist.

After making numerous requests for the co-payment and short-fall to be paid by my MediVault portion, Fedhealth tells me that this cannot be done. I am puzzled at this refusal.

So, the scheme is willing to pay in full for designer reading glasses which are not critical to my health using my MediVault funds but is not willing to pay for a procedure which was critical based on the symptoms I was having at the time? If I am paying for the MediVault funds, why is the scheme dictating where and how I should use the funds?