Refusing to pay claim

So I did a papsmeer Dec 2019, paid upfront for the consultation and the pathology claim was submitted to Momentum, which was rejected. I followed up as I was informed by my broker that I qualify for the health benefits which included a papsmeer. After numerous attempt for momentum to assist with the pathology claim that needs to be paid they are now refusing to pay as I didn't do the pre-authorization, I wasn't even aware of this. Plus when they claim was submitted in Dec, why didn't they put it under the health benefits?? Now they told me I must pay for claim and yes they only pay for pathology test if it's done in this hospital. I this bull **** man. I moved from Discovery to Momentum only find out Momentum is worse then Discovery. I've been on Momentum for over a year and this is my 1st claim but having endless issues with this claim, think I need to cancel this membership.