Terrible service by Medshield & Optivest: Refusing treatment and making false ***** allegations while patient suffers

My wife is sitting with a severe hernia/fracture in immense pain, worsening discoloration, and desperate need of medical care, yet Medshield and their administrator, Optivest, have completely refused to cover or authorize her treatment for over two months. Instead of assisting a sick patient, they are hiding behind administrative red tape and have shockingly accused us of a "********** act" simply due to an internal referral dispute between doctors—something that has absolutely nothing to do with us as members. We have recorded phone calls confirming that they are willfully withholding authorization while dragging their feet with endless, shifting demands for information. They have been officially notified that my wife's health is severely deteriorating, yet they continue to deny care. This matter has already been formally reported to the Council for Medical Schemes (CMS), and legal steps are being prepared. If you are considering Medshield, be warned: when you actually need them for a medical emergency, they may abandon you and shift blame instead of paying for your care.