To the original poster: this is more than likely from your boyfriend bumping up against your cervix. Why would you have to fight with your insurance to get a physical/pap smear done? Those are yearly exams that insurances always cover. If you aren't on birth control and would like to be, you can go to planned parenthood and may be able to get the pap test done for free. However, since you are now sexually active, you need to get a test done every year.
To the second poster: you were a virgin and there are no hard and fast rules that apply to bleeding as a virgin. Everyone's body is different. Once your *area* heals, this should clear up on it's own. The same advice applies to you too. You now need to get pap smears every year and get yourself some birth control.
To both of you: make sure your partner always wears a condom regardless of your birth control choices.