What is wrong? Hearing problems!?

I am 15 years old. I was born with a tumor (non cancerous) and had it removed in kindergarden. I also have tubes in to prevent my ear drum from collapsing in the same ear. (It was very close to it) Well, for the past 4 days this has been happening. I think I have fluid in my tubes. All of the low sounds are amplified. It is really annoying. Especially since I can't put my hearing aid in because I have trouble hearing low sounds. Now, it is louder than it is in my other ear. (no hearing loss what so ever) I have put in ear drops my dr gave me for when I have fluid in my ear. I can not put water, peroxide, alcohol, or anything else in my ear. What can I do? It sounds like it is bubbling or something in my ear every once in while. I could not go to the dr because the insurance (we just switched) and they did not put me under medical. They are fixing that. Would it be a good idea to go to the dr when I am covered again? What can I do in the mean time to help?