For a few weeks you will have a dull 'period pain' type feeling also, like your period is about to start, but that's normal, as long as no bleeding is happening, I am from the UK and can't help with the insurance stuff, but the clinic where you went too to have your pregnancy confirmed, I assume is free or you would've been charged for the test? Try there first, but good luck. :)
You should check If that same clinic will see u for free, if not usually they should be able to see u and once your medical does kick in the insurance will reimburse your bills.
But yes my first trimester I had frequent cramping and sharp pains which is normal since your uterus is expanding
Minor pains r normal as ur body is changing, if ur really scared or concerned go to the ER, if u can wait until next week, as long as u ain't bleeding I think ur fine