My mother 64 years old have a tokio marine medical card which we renew annually. Last year however, she was admitted into hospital for colonoscopy - doctor worry there may be something. We claimed the medical card because well that's the use of medical card, right?

Anyway this year during renewal of policy, they slap us with a 20% coinsurance with no cap!!!!!!!!!!            Who have similar experience? Is there anything I can do from my end?