NO HELP

I DONT KNOW WHAT WORDS TO USE ANYMORE FOR THIS MEDICAL AID. YOU PAY BUT WHEN YOU GO TO HOSPITAL U NEED TO PAY CASH UPFRONT, WHEN YOU ASK ANOUT IT OR TO CLAIM NO RESPONE DAYS LATER. NO REPLY TO ANY EMAILS MSGS NOTHING & BEST PART WHEN YOU CALL IN YOU GET TOLD IF YOUNT HAVE AN EMAIL WITH A REF YOU HAVE TO WAIT. WHAT SERVICE IS THIS HONESTLY