They can charge you before you have it because they can. Shrug? Their contract with your insurance company lets them. In fact, they could make you pay the entire thing upfront and then have insurance reimburse you, if that's how they wanted to do it.

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I participate in the two day "Bike MS: Waves to Wine" event on Sept 12-13th. It's not too late to sponsor me. Together we can find a cure!