Doctors will not lie to you becuase of your lack of insurance. They may require payment upfront if you want treatment.
I have experienced simialr, I would almost always get it in the middle of the night going to bathroom, to the point where I dreaded it. I dont recall( it was 10 years ago) if I nailed down the problem, but a few things for you to consider:
Anxiety: Even teh anxiety of fearing it happen again. I have had anxiety problems my whole life, now very under control, but they have produced symptoms of palpitations, racing heart, pounding heart, pain in chest, and tingling down arms. I even went to an emergency room once with thoese symptoms convinced of a heart attack.
Electrolytes: Too much salt or out of balance with others like potassium/magnesium. There is Low Sodium V8 vegetable juice. In place of the sodium, they use magnesium chloride and potassium chloride. Both potassium and magnesium have a calming effect on the heart. I have had enough heart issues( atrial fibrillation) and can feel a "fluttery" heart that is going to be prone to start flopping around. LSV8 helps it greatly. Just something to try
While something may be "wrong", it is not neccesarily bad....it could be something lacking or too much of something in your life. I wore one of those event monitors for 48 hours, rolling onto it when i slept and it was a PITA. When I went to the doctor for the result, he said they failed to turn it on and would need to do it again.....Ha! No thanks
Just a chuckle for you, it was not all that bad.