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I joined my wife's insurance plan but had to go to urgent care between the effective date of my coverage and when I received my card. The insurance company told me to pay out of pocket and upload the receipt to get reimbursed. The process took over 6 months and they continually asked for more and more information which even the urgent care facilty was bothered with the request for detail. I eventually received the payment but it got to the point that I almost just accepted the $215 fee to be out of pocket.