I would try to get to a chiro as soon as you can afford it and until then keep trying to get in to see an MD. One morning I woke up and couldn't move my neck without excruciating pain. That day was the first day that I ever went to a chiro and if you'd talked to me that day I would have said that they were miracle workers.
Fixed me right up!
Keep calling around to different chiros for their fees. I don't know where you are from, it sounds like you may not be from the US?, but here, depending on how many chiros you have in a particular area, they do compete with one another based on price, unlike MDs. There are also some chiros around here who do not take insurance and their prices are much cheaper than the others. They just don't want to have to fool with the paper work and they deal with people who do not have insurance for chiropractic anyway. With HMOs being so prevalent, hardly anyone has chiropractic insurance like they used to, I know that I don't. There is also a wide difference from one chiro to the next in terms of philosophy, equipment, and expertise.