How do I handle that?
DIDA and SISALRIL. Take your complementario payment stubs, your copay receipts from tests, and file a complaint at DIDA and at SISALRIL.
Also in most insurance companies the carnet shows Basic+Complementario. Also you should go to Universal office, not through agent, and ask the rep there what plan you have and what do they see in their computers. Go from there. Maybe your agent isn't paying the premiums to Universal... Would not be the first case.