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Consider going to a walk in clinic. If it's nothing serious, you pay 100-200 and you're on your way. If you go to the ER and it's nothing serious, your insurance may deduct you hundreds more (my ER copay is $500 and I have great insurance).
If it is serious, the walk in will tell you to go to the ER. In that case, the insurance may waive the ER copay. While it is true they can't deny you care, this system of expensive ER copay was presumably put in place to stop people using the ER to provide free care. Check your insurance policy (preferably before you get sick). I believe some places also have free clinics, but I would expect them to be pretty crowded.
Good luck OP. This sounds serious and you need to take care of your health. Try to find a way you can at least get some real qualified medical advice, even if you seemingly recovered this time.
Heart issues? Chest pain?! They're not touching OP with a ten-foot frog, straight to the ER is all they will say.
You're not wrong, but I would rather OP seek any qualified medical care than none, even if all they do is refer them to the ER.