just upset with service

So upset honestly, a consultant promised he had ordered me new cards yet had not done so, I had an emergency last night, took my pup in and my temp will only arrive by Friday. I am just upset with how emergencies are handled, no cards are on the way and it will take 48hours to approve a hospitalization. So I must pay thousands without knowing. I have insurance so that when my babies get sick I do not have to lose my rent money.