They will ask about your symptoms and give you antibiotics if they fit with a UTI. There's no swab or real examination necessary. When I had mine, I just called the advice nurse, and she had a doctor prescribe me my antibiotics, but I have Kaiser, so...
They will heal you, sweetheart. Don't be afraid to go to the doctor when you are peeing blood.
And if i do go to the dr how are they gonna check me or what are they gonna do??
Get to the doctor. Sounds like a UTI, which needs antibiotics. You can get one even if you never have had sex, so tell your mom or just go in yourself.