What a disgrace of a medical aid

Good day firstly there’s no option for a zero rating star after my experience with momentum health. Secondly I am writing express my utter dissatisfaction with momentum medical aid. I joined momentum medical aid in January of this year and the reason being is to consolidate my medical aid with my pension fund. I recently incurred a health emergency which left me to rush to my nearest hospital emergency unit. I was the consulted by a doctor at Unitas and asked to follow up with them 48 hours later. After doing so, both times I was charged and paid from my personal account because it was said to me that I can simply claim back from the medical aid. After submitting my two claims today I checked the momentum app to find out that they will not be paying for the first claim due to pay code 529 Claim from a non network provider. Member liable. I am furious, furious simply because when I was faced with my health emergency I was rushed to the closest emergency unit. The closest member on “the network” is 30 min away meaning that in future if I continue staying with momentum and God forbid I face another emergency I will just have to drive 30 min away and pray I don’t overcome anything before making it to the emergency unit. I am honestly going to have to cancel my medical aid come November and go back to discovery because I simply am not satisfied with Momentum as a whole. They are constantly going on about the wellbeing and health of their employees and members but then cannot account if you are faced with health emergencies. I mean what if I was not in a financial position to pay? Would I just have been left to die after having medical aid???? Please do not join this insurance if anything. Specialist and healthcare providers will continue telling you oh no just claim back from them as we do not Liase with them even if they are a on their network.