Is gems a ****mer or medical aid.

My daughter and I desperately need orthopedic procedures. They declined mine and gave her 6000.her procedure is 28000 and mine is 30000. They didn’t wanna hear anything just plain no. Their exgratia comettee sits after 6 months. By then I won’t have teeth but I pay a lot for gems. Help is needed now not later. And now with all doctor visits there’s a copayment alll meds have copayments