Momentum Medical Aid Pre-authorised procedure claims - just too much of an effort to help members resolve queries!

Why do we pay our medical aids thousands of rands when they simply can not provide a decent service! Our monthly premiums include an admin fee which I would like to request a refund for as I am the one who always ends up resolving queries, sorting out doctors accounts, obtaining information, making phone calls and our Momentum Financial Advisor, who by the way is appointed to us through my husbands company with whom Momentum has a massive account for medical aids and provident fund, does nothing. I've complained to her so many times that she now just doesn't even bother listening to me, gives me attitude and then after complaining about the poor service I receive from Momentum, does not even offer to get someone to contact me and help me resolve these queries or offers "Don't worry, I'll get on this and get it sorted out for you!" Nothing. And the worst of all, this is not the 1st time that I'm having the exact same problem with a PRE-AUTHORISED procedure claim. God Help me if I land up in the emergency room or ICU for any random reason or accident... can you imagine the issues I'll have to face then trying to resolve that!!!! Momentum can not even get a simple Covid Test claim right! I submitted my covid test claim on 07 Jan - first communication I received to "sorry - declined!" was on 19 Jan. Needless to say, we will be changing from medical aids soon It just frustrates me that a major medical aid, who claims to care for their members can toss you like a piece of gum because it's just too much of an effort!!!!!!