Medical Aids Useless

I have been with this medical aid for the past 3 years. I am left with more unpaid accounts than accounts that is actually paid. The "customer service" department is so unhelpful its scary, they put you on hold for hours and when they actually answer the phone they are so unhelpful. I have a medical procedure that i need to go for, they pay R3750 for something that cost R17874, this is a in hospital procedure why does this get taken out of prosthetics? They also did not pay for my son's Chiropractor after he had an Rugby injury. This medical aids take your money every month and do not pay for anything when you need it. Any suggestions for a medical aid that actually use your money for what it is intended for?? They are dumping me in dept that is all they are good for. in the past financial year i had to pay R15 780 additional on Dr accounts, pathology account that they just do not pay because everything comes out of the "savings". maybe if the put more of my money in the savings account there will be enough to pay for stuff that is actually needed. Like Maternity benefit that we pay for but will never use why cant they allocate the unpaid bills to that.