Utterly Disgusted

I'm very disgusted in the service I've been receiving I am on the standard option which clearly states that I have one out of network Dr visit, but did the medical aid pay for this visit? NO INSTEAD they refer me to universal claims, is this not the work of the medical aid itself. Secondly - whenever I go to a NETWORK pharmacy I'm told there's no funds available, again I'm told to contact Universal claims Thirdly - I went for a Covid test, what does the medical aid do? They don't pay for the test Fourthly - I went for an ultrasound scan (referred by my network Dr) what do I receive today?? Yes, you guessed right, a no fund statement from the radiologist I AM EXTREMELY DISGUSTED by the service I've been receiving, especially when I know I have funds available and I've been doing as I should like going to networked Dr's and pharmacies.

It's sad to think that one pays medical aid fees every month yet whenever I go to the Dr, pharmacy or anything medical related I have to pay out of my pocket

I've on many occasions mailed but no response and if so it's "contact universal claims" OR try calling the call Centre which becomes another expense.

Advise to people thinking of joining... DON'T