Copper IUD, pelvic pain 14 days and now fever

I tried to put a post up here several days ago about the IUD I had put in back in November, but it's hasn't gotten any responses. But, i've been cramping and having lots of pelvic pain. The pain has been going on since January 1st, so for 14 days now...I missed my period for December and my period for January is coming up by the 20th. Today i've felt sluggish and noticed that my body is starting to ache (flu like body ache). This always happens when I get a fever. I took my temp and it reads between 99-100*, if I put it in my left ear it's 99, if I put it in my right ear its 100*...that's not really high but i'm wondering if I am having a complication with the IUD, maybe an infection or worse embedded somewhere in my uterus?

I've spoke to several gynocologists that tell me to wait the pain out as I just got the IUD in November. I'm not hungry as much with all the pain and sometimes eating food makes the pain go from not only my pelvic area but all the way up to the diaphragm. The gynocologists also recommended an ultrasound to make sure the IUD is in the correct position and a pap smear to check for any infections.

i'm not sure if I should just wait out this pain & fever till I can afford to front the bill or go to the ER just in case this is an emergency. My stomach/pelvic area hasn't been the same since the insertion of the IUD. constant pelvic/stomach pain, worse headaches and not sleeping very good as well.

Opinions please?