Maternity Benefits for scans ****

I've had some horrible experiences in the past with Momentum and their so called maternity benefits regarding scans and it looks like 2025 is no different.

My wife is expecting twins and for the 12-14 week scans the sonographer had to do two scans as there are two babies in the womb (you can see where I'm going with this) and the code used for that scan is 3615 which everyone in the industry knows. I paid the scans out of my own pocket as my Savings were depleted after unnecessary normal routine blood tests were done (which Momentum only covered a 1/6 of it) and I sent through the scans invoice+POP through to Momentum so that they could reimburse me some of it as I know they don't cover all of it. I was very surprised that they reimbursed me as I had some issues in the past with these claims, but my happiness was short lived.

Come the 20 week Detailed Scans and the sonographer did two scans again as there are two babies in the womb and she used code 3617 for the detailed scans which is correct. I paid this more expensive scans again out of my own pocket and sent through the claim (invoice+POP) to Momentum and ask that they reimburse me the part that they do cover..

Thought this was going to be very straightforward, but then I receive an email with my claims statement and it says that the amount will be reimbursed via my own HealthSaver account. I follow up with Momentum, they say that the scans Major Medical Benefit was used up with the Down Syndrome scans (3615) as they only cover two scans in a pregnancy and two claims were reimbursed then. I tell them that my wife is pregnant with twins so there should be four scans covered under the Major Medical Benefit and they just told me unfortunately that is not the case... I feel like this is a very dirty loophole with wording as it is very logical that there are two babies and two scans each were done with Down Syndrome scan (3615) and Detailed scan (3617). It is not as if they cover the full amount for ANY of the scans, they only cover a part of it and in case of twins, they just cover one scan each.