Never used a condom :( I know it's really stupid!!!

And I have pretty good insurance so I just need to get a doctor. I haven't been to one in years. Insurance will probably cover that. I'll just have to pay the co-pay right? If I go through planned parent hood that will cost me money, and I am poor, I honestly have about $1 to my name. Through the doctor my mom will give me the money for the co=pay and I can just say I am getting a check up... I just am not sure if it's covered?????