My phone says I have Apple care

If you go to Settings/General/About and it says you have AppleCare that is because all Apple products have AppleCare included for a period of time after they are purchased. For iPhones that is one year. You can extend that to 2 years with AppleCare Plus within 60 days of purchasing the phone.

Check again here.

Check Your Service and Support Coverage - Apple Support

Likely your iPhone says you have the opportunity to purchase AppleCare.

Key in your serial number here: Check Your Service and Support Coverage - Apple Support

Use the Contact Support link at the top of this page and ask an Apple tech directly. I don’t think we can resolve this in this user-to-user forum.

Does it also say AppleCare+? And did you purchase AppleCare+ when you bought the phone? And did you buy it today (March 3)?

Did you purchase this phone on the iPhone trade-up program?

What is the date in Settings/General/About? Is it one year from the date you bought it?