The small hard area on your stomach worries me. You really shouldn't have any hard spots on your abdomen. Most of the things that do cause hard spots are serious, even potentially fatal. Getting to a doctor ASAP would be a good idea.
You might be able to save *some* money by doing some web research and making some phone calls to find out which kind of doctor. If a General Practitioner would automatically refer you to a specialist, you might be able to get that information over the phone. It would be cheaper to start with the specialist, rather than do two doctors.
If you can, have cash, credit card, or a (good) check on hand. When you're talking to doctors, ask them if they have any discounts for paying cash up front. Most doctors give a discount of 50-75% for people who make their paperwork life easy.
Good luck, and I hope everything's okay. Let us know what you find out.