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I've always been very irregular, anywhere from 24-36 days. It isn't really a problem except for a pair of ruined panties once in a while.
You may not need your insurance card to get services. If your coverage is active, it's possible all they'll need is the name of your insurance company, your name and SS number. Call the receptionist and explain; they can probably work something out for you until you get your card.
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