PENSIONER CLAIM NIGHTMARE - NO ONEPLAN!

OnePlan has rejected my specialist claim based on the fact that i do not have a referral letter. However, I do have a referral letter but OnePlan refuses to pay my specialist consultation which included a mammogram for no valid reason at all. This is not the first time I claim and it is firstly delayed or not paid due to unjustified reasons. My membership premiums are up to date, it is increased annually, I pay religiously monthly by debit order, but one claim which is not even 10% of my annual premiums and OnePlan makes excuses not to pay. THIS IS A HORRIBLE EXPERIENCE FOR A PENSIONER THAT CANNOT AFFORD THE HIGH MONTHLY PREMIUMS BUT TRUSTS ONEPLAN TO BE LOYAL TO THEIR CLAIMS PROCESS, AND THEN THEY FAIL YOU DISMALLY WHEN YOU NEED THEM MOST. THIS ISSUE IS NOW AFFECTING MY HEALTH AND MY BP IS HIGH BECAUSE OF IT - NOT THAT THEY CARE! I PAID MY SPECIALIST WITH THE HOPE THAT ONEPLAN WILL REFUND ME AS PROMISED, BUT THEY DID NOT. HOW AM I SUPPOSE TO LIVE THROUGH THIS MONTH, I DON'T EVEN HAVE FOOD!