infection or more...no insurance yet

I am unemployed (and broke) but found insurance to cover me  that is going through November 1st, therefore I am worried about going to the doctor with this for fear of the "pre-existing condition clause".  Here goes.
Lately I have been having some burning after urination, but the urine looks normal.   I have also been having some pain during intercourse when the penetration is deep and on the right side.  today I started getting a pain right below and to the right of my belly button.  I would go to the doctor for a bladder infection but I guess I am worried that if I do and it's something more it won't be covered by my insurance.  Do you think I need to see a doctor right away for this?  Could it be something more serious?  I am pretty worried.  Oh! I am a 29 year old non smoker, well I smoked on occastion until a couple years ago.

any advice would be appreciated.

[Kevin Pho, MD]

Burning during urination is never normal.  The most common cause would be an infection - either a UTI or an STD such as gonorrhea or chlamydia.  If you are a male, diseases such as prostatitis or epididymitis would also be considered.

If the tests for infection are negative, anatomical causes like polyps or strictures should be considered and evalated via a cystoscopy.  

The first test I would consider would be a urinalysis and tests for STDs which are simple, inexpensive tests for diseases that are easily treated.  

Followup with your personal physician is essential.

This answer is not intended as and does not substitute for medical advice - the information presented is for patient education only. Please see your personal physician for further evaluation of your individual case.

Thanks,
Kevin, M.D.