If your blurred vision is just the spots getting in the way and/or the headache making you sensitive to light then that's most likely migraine.
If your blurred vision is sudden and dramatic, so much so you're having trouble getting about, then that could be something very serious that cannot
wait. Any big sudden change in vision warrants a visit to the Emergency Room.
Whatever you do call a local eye doc office first, explain your situation and your symptoms. They're used to taking in emergency patients and they'll hopefully work with you on the insurance problem. (like waiting till December to bill