I have a 5mm kidney stone that has moved to my urethra, the pain is almost unbearable what can i do?

I was in the ER 12 days ago and the stone was high in the ureter, now it has moved all the way down to the urethra and it is attempting to get out or is stuck, I dont know. What I do know is the pain is almost unbearable and I am taking a strong narcotic along with a medicine for nausea. I have seen a urologist, but I have no health insurance so we are trying to manage with pain meds and lots of water, the alternative is surgery, a huge hospital bill and physician bill. I just dont know how much longer i can take this pain...does anyone have ANY suggestions, or is surgery my only alternative at this point?