I'm spacing out

Yesterday I got the spacer for my braces, they kinda suck. I'm already on a pain killer right now so they don't hurt too much, but they are uncomfortable and it feels funny to eat. Dr. F asked if I had started to process through insurance yet for Dr. S, which I have not done since I have to change insurance. He accepted that as an answer. But conversations like that make me a bit nervous, what happens in 6 months if I have trouble with insurance?