WHY ARE WE PAYING FOR MEDICAL AID THAT CANT ASSIST US!!!!

I'm very disappointed in momentum after being a long standing client .Being expectant with my second child I'm looking for a gynecologist and hospital that is under "their" network.I have contacted my previous gynecologist and to find if he is still under their network and he advise that I have to pay cash for my 1st consultation and for booking a bed at the hospital,which will cost us a total of +-R10 000.which i don't understand cause we have "medical aid" .Upon requesting for new list from the medical aid they advise that only doc and hospital that i would be able to use is in Bedford Garden which is more then 30km from where I live.This is a huge inconvenience .We are paying for a medical aid that is unable to assist us,we are trying our best and use their network providers but they are not accommodating us at all.Why are we paying for medical ?????they have advise if we use non associated doctors or hospital we will be liable.I will not recommend this medical aid to anyone .We need this matter to be looked into a solution be given it feels we paying for something that cant be used?I want urgent feedback on this matter we will take this matter further.!!!!!!!!