Medical aid fleecing the elders

My parents are 74 and 67 years old, they have a medical aid with momentum health, my siblings and I help them with the payment of their premium, they try to make ends meet, but make sure the premium is paid, but when they need to be hospitalized they need to beg and borrow to make a co-payments, they worked hard in their lifetime but even in old age they are harrassed for money just to get treatment, why can the co-payment for elderly people not be waived, we want them to get good treatment that is why they have the medical aid, but to still pay on top of that is ******ion, and robbing them of their dignity}