Policy Discrepancy

I am presently a dependant on my mother's policy. She is terminating her policy on the 31 January 2016 forcing me to go onto my own policy. I've selected the smart plan and we were presently on the core option of Discovery. Now apparently I can not go on to the smart plan because I'm still considered a member and not new business even though there will be a different policy on my name and not my mother's. I now have to wait until October before \upgrading"to the smart plan policy"