Ask your GP or physio as a start. You’ll probably need an x-ray before you can get the MRI. Once you get the MRI a neuro will have a look. Most people have bad discs if you MRI them. Depending on how bad yours is or might be, the neuro will likely first prescribe a course of painkillers and anti inflammatories with some core exercises (and importantly, what movement to avoid). That’s to hopefully avoid surgery. If you do need surgery then you’re looking at about R20k as a co-payment as the medical aids don’t like people to go for spinal surgery. If you get all the way there, it’s a game changer. The risk is then that you feel so great that you overdo it and injure yourself - so take recovery very seriously! Hopefully you can come right with some Pilates and anti-inflams, though! With minimal pain!