Well, it sounds to me like a urinary tract infection (uti). The "film" could be dried blood that is coming from your urethra, the opening from which the urine is eliminated. I suspect you may already know this, but the reason for a uti is because bacteria from the anus is pushed up inside the vagina, thus causing an infection. The only way to rid yourself of this is to have a doctor prescribe some type of antibiotic, like a sulpha drug (bactrim) to kill the bacteria; if you wait much longer, you run a risk of hurting your kidneys. The fact that this dried brown material sounds like it could be blood indicates that it is already moved in that direction - the kidneys.
Now, as for the lack of medical insurance: you might want to call the local women's health center in your area. The fees are sometimes based on your ability to pay; the other option you may want to pursue is to call your local hospital, ask the operator to connect you with the department that gives doctor referrals, and then tell them you need a low-cost primary care physician or general practitioner in your area. Tell them you have no insurance. If your area hospital does not have a department that will give you names of local doctors, then try another hospital in your area until you find one that does.
I hope this helped you. My opinions are just that - opinions, and do not reflect the diagnosis and treatment you would receive from a licensed m.D. Or other health practitioner.