I was on the HealthManager starter scheme with BUPA/Quinn for nearly ten years and stupidly decided to downgrade my policy to the Essential First scheme at my renewal date on the 1st of January 2012. It now turns out that I need a minor operation and will have to pay €430 as a result of the change in my policy. If I had held onto my Health Manager Starter policy, I would have only had to pay €125. Is there anything that can be done here? The operation is only minor and it would be no problem for me to wait for another while.