Poor refund policy

I've been a client of Oneplan health insurance, and I have been having problems since day one, my first premium was deducted even before I confirmed to accept the policy agreement, but because I am lenient person, I continued. The last few months has been frustrating, it's virtually impossible to get back funds for doctors visits, who want nothing to do with Oneplan, so I have to pay cash each time. Whenever I call them to rectify the problem , they make promises, I'm told that there is funds in my account, but when I try to withdraw, there's no funds, Then I receive a message that the funds were reversed because I did not withdraw it. It's the weirdest system I've ever come across. I am waiting currently for 3 weeks for my reimbur*****t.