I need advice...

So I got the results from my harmony test today.. everything is low probability on the down syndrome and trisomy disorders. However the gender end of things was inconclusive. They couldn't determine X or Y chromosome to say girl or boy. Than the talk of Turner syndrome came up which only females carry. They can't rule it out. I have the option to retest but my insurance won't cover it again and it's too expensive for me at this time. I have the option of an amniocentesis but with that comes risk of miscarriage (I never knew that until today) or I can wait until my 20 week ultrasound which will determine gender but not Turner syndrome. It will just rule it out if it's a boy. Im beside myself right now... I can't even think straight.. the sneak peek test says boy.. it confuses me how a small sample of blood could determine that but going through a lab with two vials they require couldn't determine that.

Has anyone else received results like this before? If so, what was the outcome? Im so scared. I can't stop crying. I just want answers...