Oh lord, no health insurance?? Please don't go to the chiro! Two different neurosurgeons told me NEVER to go to a chiropractor (for persons with back problems) because we might end up either paralyzed and/or in a wheelchair. They both said that Chiros aren't trained enough in the central nervous system to be manipulating the spine the way they do. Just one push, pull, or twist, and you could be in a WORLD of trouble.

Before I saw any neurosurgeons, I was desperate and I went to a chiro - you know what he did?? He BROKE my sternum!! And to compensate for that he offered me a FREE VISIT! Gee thanks!

If you think I ever went back to him, I've got a bridge to sell you. LOL
You could have a bulge or herniation, but you won't know until you have an MRI with and without contrast material. You should use ICE - NEVER HEAT because heat will draw blood to the area and cause MORE swelling and inflammation. Ice will reduce swelling and also reduce pain. My neuro taught me this. You should use ice for 20 minutes every 2 hours. Keep doing this until the swelling goes down, and the pain is gone.
I sure hope you can get insurance sometime soon. God bless you and take care. Hugs, Lee