Meralgia Paresthetica can be the result of Myofascial trigger points (knots) in specific muscles especially Tensor fasciae latae, Sartorius and psoas/Iliopsoas. Pain/numbness in you describe sounds like it could be the result of myofascial trigger points. You can learn to self treat these muscles.

However, go to a Doctor and review your symptoms and get a professional medical examination and opinion. Your health is too important not to review with a qualified medical professional regardless of insurance coverage. There are clinics in which fees are income based.

The numbness/pain seems to be symptomatic of the muscle entrapment of the femoral, lateral femoral cutaneous, and the femoral branch of the genitofemoral nerves which, may occur in the lacuma musculorum beneath the inguinal ligament, as nerves exit the pelvis through a narrow lacunain “opening” in the company of the ilipsoas muscle. The genitofemoral nerve regularly penetrates, and the iliohypogastric and ilioinguinal nerves occasionally penetrate the psoas major muscle as they emerge from the lumbar plexus. You may also have tense bands in the paraspinal muscles. Side bar restrictive clothing and weight gain are two common reasons for pressure on a nerve.

These trigger points can be deactivated by direct digital (finger) compression of the trigger point(s) in the affected muscle(s) followed by appropriate stretch. The Sartorius responds better to a cross fibber technique. You can learn to self treat these muscles. Look up books on treating Myofascial trigger points.

Trigger points cause the muscle to become shorter and tighter. This limits the function and mobility of the muscle which causes weakness, decreased circulation and pain. When injured, most tissues heal, but muscles learn they learn to avoid pain. This muscle memory can produce unexpected pain even years after an injury has occurred, especially during times of physical and emotional stress.
Take a look at the noted muscles and referred pain patterns at this link:
http://www.triggerpoints.net/_sgg/m2m2_1.htm