Feeling worried and frustrated

I'm seven weeks and have tried three times since I first too my positive test 3 weeks ago, to make my doctors appointment. They are making me go through a financial counselor before they will make my appointment because my new insurance won't be active until May 23rd. I wasn't too worried about it at first because this is my second child and I already had my prenatal vitamins and I thought, if I just stay hydrated and take my vitamins I'll be okay until they finally make my appointment. Now I'm concerned because I've been cramping, albeit lightly, I never had cramps with my first pregnancy. I'm also spotting lightly. Advice or encouragement welcome.