I am really stuggling getting the settings right for my

Hi,
I am really stuggling getting the settings right for my membership site.
Currently, I am trying to use url groups to separate what the membership offers, I have setup all of the urls in the url goup and set a 'visitor' level as negative and 'member-area' level as positive, I was expecting to login as a 'member-area' and be able to see the pages...