Wow - I almost missed that you have PCOS. That is an important diagnosis. Since intercourse can cause problems for women with PCOS, if your mom is still paying your health bills, it is not really fair to have intercourse since it will cause complications for you. I know that doesn't seem fair if you are taking precautions that everybody needs to take, but your case is different. I hope they come up with an effective treatment for this. My niece has this and other relatives seem to have this or something similar. They were able to have kids though, so don't assume you can't get pregnant.
http://www.trying-to-conceive.com/fertility-treatment/pcos-bleeding-after-intercourse/
Hello,
These symptoms can be due to a thyroid disease or PCOS. PCOS is a problem in which a woman’s hormones are out of balance.So ovaries develop more follicles than normal every month.Diagnostic tests are 2 hr GTT,serum androgen and testosterone levels,LH-FSH ratio,prolactin levels,TSH levels,17-hydroxyprogesterone levels and 3D ultrasound.
It is very difficult to precisely confirm a diagnosis without examination and investigations and the answer is based on the medical information provided. For exact diagnosis, you are requested to consult your doctor. I sincerely hope that helps. Take care and please do keep me posted on how you are doing.