UTI.. drink LOTS of cranberry juice to flush you out.. go to the ER SOON and they can give you antibiotics that are more than likely on the $4 list at walmart. (I've had SEVERAL and they've always been on their list..)
As for insurance, some things aren't considered pre-existing enough to deny you treatment.. call them first.. you can also get insurance supplements that don't care about pre-existing conditions that give you a HUGE discount on office visits and prescriptions.