Frustrating

I'm 36+4 weeks and I have had so many issues with dr's and insurance during this pregnancy. I have been referred to different places, denied access to dr check ups, and other issues. 
I have no dr now and was told to just come in to the ER if something happened. I haven't been checked out recently and I'm getting nervous.
Baby has dropped and is getting a little lower each day (which I'm surprised is even possible). Painful contractions are worse than when I was in labor with my first two kids. Yet I'm pretty sure nothing is happening there. I'm afraid I won't know when I do go into labor.