Please help? Chest tightness and shortness of breath

So for the last 2ish months, 4 separate times Ive woken up in the middle of the night with chest tightness l, shortness of breath, headache, body aches, and chills. It continues for at least the entire day, but has lasted 3 days one of the times. The first time I was convinced I was coming down with Covid. But I got better after a day. The next 2 times I thought maybe it was panic attack or anxiety? But still don’t think so because I have actually been less anxious these days. And last night and now, it’s more mild than it usually is but my body and chest hurt especially when I breathe. And it’s worse when I lay back.

I never have someone to watch my kids for me to go to the doctor because my husband cannot take time off. But today my mother is willing to watch them for me, I was just wondering if anyone thinks it’s something worth going for? I have $100 copay and don’t want to waste the money…