Disgusted by moto health medical aid services

Im beyond angry and frustrated, these medical aids are totally a scheme. I have been paying for medical aid since 2018, it clearly stated that my in hospital amount is hundred and something thousand yet now that i went to go give birth only R4000 was paid by the medical aid and i had to pay R8000 pre admission fee cash just so i could deliver ok i didn't pay attention much to that but then after delivering i get an email from the baby's paediatrician that i need to pay R2000 in cash for his in hospital service and that my medical aid doesn't pay for it just cause me and my fiance had decided its best for us financially if the baby is covered by his medical aid so in a way moto health is forces me to put my baby in their medical aid for them to pay me giving birth to him.... Then just to add on the my frustrations i get an email that i need to pay the anaesthetist for the services he rendered as though it is ever possible to have a c section without me getting the injection that i was given which weirdly medical aid does not pay aswell, exactly why do i pay medical aid if i end up paying im cash more than what the medical aid pays. Im beyond angry to say the least, i just had a baby and now i have to deal with a frustrating medical aid that doesn't want to cover any of my bills.