I got one last year and almost threw it out. I called my insurance co and they said to bring it in and they would handle it. I told them I would just send one of my insurance cards in with it. Insurance told me not to because they would fax and document date, time, etc. They stated that a lot of times when people send it in themselves they for some reason get a second notice! They took care of it and no second notice. Just more ways to get $$$$$$$$$ from people.