Even a decent urgent care clinic should be able to do an I&D and with a lot less time and money involved. If it hasn't reached a head yet, you still may have to wait for it to be drained and hit it with antibiotics and hot compresses for a few days. If you have a high fever, that makes it more serious and an ER trip more necessary.
GO TO THE EMERGENCY ROOM SO THEY CAN DRAIN IT AND GIVE YOU ANTIBIOTICS, GOOD LUCK!!!!