Late Period

My Period Is 20 Days Late. I've Recently Took A Pregnancy Test & It Came Up Negative. I Can't Go To The Doctor Because I Just Moved From NY To GA & My Insurance Isn't Being Accepted By Their Medical Center. I Have Been Stressed But Idk If It's To The Point My Period Is Not Coming. I Don't Know How It Feels To Be Pregnant Because Obviously I've Never Been Pregnant. Nothing Has Changed As Far As My Eating Habits, Sleeping Habits Etc .. I'm Sad, Depressed & I Need Answers ASAP SOMEONE PLEASE HELP ME !!!!