Keyhealth medical aid Penny pinching

My husband and I have belonged to this medical aid in all its guises for 52 years. In recent years they have become increasingly difficult, getting anything from them is a mind blowing experience. My husband needs a partial knee replacement and is in a lot of pain. When we asked for authorisation the refused,needed additional information which is fair enough. But then a consultant informed me that the procedure is not essential!!! Subsequently we have contacted them on numerous occasions trying to get them to pay, sadly, despite paying them the equivalent of my husband's salary every month they will only pay a tiny portion, they just don't care much for their clients. We have been forced to postpone the procedure until next year when we will be able to afford it. At the same time they have paid all my oncology costs for which I am grateful.