Hi Jessie, Sorry I didn't respond sooner. I am hurting quiet a bit today but I took a pain pill so I could set down here.
There are a couple of things I would suggest. First You can push all you want but that won't get you an answer. Yes it is true that it can take years to get a diagnosis. Even with the symptoms you have.
Also I suggest you ABSOLUTELY see a rheumy. When you call around find out if they are schooled in autoimmune diseases such as Lupus. Not all rheumies are the same. Of course you should be worried about what might be going on inside of your body. Even without a DX they can still and usually do treat your symptoms to try to stop further pain and inflamation. Also if you do not get the help you need from the first rheumy don't give up. Most of us don't have good luck with the first second or even third one we get.
The last question about the insurance is something I have heard about but can't help you with. I have been diagnosised 100% disabled for a long time. I was very lucky(if you can consider it lucky) that I was so sick they asked me questions on the phone sent me to one doctor and called and told me I was approved. That is almost unheard of. The bad thing is my life expectancy isn't so hot. But hey I believe in God so either way I win!
anyway that's the best I can say I hope you get some answers soon