Sounds like you both might have some nerve compression in somewhere in your cervical spine.
To confirm that and to see what is going on in your cervical spine you would need an MRI and be evaluated by a spine specialist.
Compression of nerves in the cervical spine can cause neck pain as well as a numb, tingling and heavy feeling in your arm/arms and tingle in the fingers.
Twinklejen, I don't know what you can or can't do without any health insurance, but what you really need is to see a spine specialist as soon as you can.
Same advise for you as well Hbbrat
Good luck
Fran