frustrated client

I am frustrated. With the current economic tough times, I wanted to downgrade my mom's plan to key care plus. After comparing the plan that she is currently on, with the one I wanted. I pay more than double but get fewer benefits. I called to change the plan and was told that, the key care plus plan is regarded as an upgrade even though the premium is half the amount charged. This is plain ridiculous. I am told to wait till the end of November to 'upgrade' the medical aid. Question is, can one even afford medical aid till then... I need help