I'm not a doctor, but sometimes I play one in radio commercials. However, if I were you I wouldn't be asking your questions on a guitar players forum. Insurance or not you need to seek professional medical attention before you wake up dead. A couple of years ago I was on the phone with a good friend who described similar symptoms as you. I told him to hang up the phone and get to a hospital. His office was near Presby Hospital in Dallas so he drove over to the ER and it turned out he was having a heart attack. One of his arteries was 98% blocked. Two days in the hospital and a couple of stints later he was back home feeling a thousand percent better.