Welcome to WHL.
You have been through alot already.
Alot of what you say, sounds like Lupus. But of course, nobody here can tell you that for sure.
You will have to go to a Rheumatologist and he has to run some blood tests, that is the only way, you will know for sure.
As far as I know, Fibro will not cause joint pain.
I hope that you can get help, with your insurance.
I may have been dealt a bad hand, but at least I'm still playing with a full deck. ( most of the time anyway).