Many questions

San
Hi girls! 
I am 21 and I had severe hair fall so mum took me to a gynecologist to get my hormone levels checked (insurance rejected that test so no clue about the levels). Doc said I had polycystic ovaries (mild). I've got some questions (stupid me didn't ask the doc then 🙄)
1) what's the difference between polycystic ovaries and PCOS? I'm told they are two different things. 
2) how do I know if I can ovulate or not? I've always had a regular period (usually 28 day cycle), no acne, and no common PCOS symptoms except hair fall. I am overweight though. And a couple of times I've logged in ewcm too.
3) can women who are classified with mild PCOS suddenly go to higher risk PCOS? 
I know I can google these questions but somehow I trust your opinions more than websites. Thanks for any help!!