Always pay half of the amount charged by the doctor

This is the most ******** business ever. They always pay half of the amount charged by the doctor.Immediately after finding out that I’m pregnant I approached medshield consultants( 3 of them) to discuss my plan rules, I asked them to give me the list of gynecologists that falls under my plan and I was told that they do not have contract with specialists yet I can go to any gynecologist. I made sure I consult them with everything before taking any steps I even went to the hospital that falls under my network to avoid paying extra costs because I knew I do not afford to pay any extras. Now I have to pay R4500 from my own pocket which I don’t have. They are telling me that my plan do not cover full amount I will have to pay the remaining amount and no one told me that information when I was busy approaching them even their broucher does not specify,so how will I know when I was not informed. If I knew about this I would have made a plan just to avoid paying extra.I don’t need this kind of stress at the moment I need to focus on my baby.