What should i do, kidney problems ?

If you are in pain, there certainly IS something your urologist (or ER if the pain is that bad) can do! Pain control is definitely a must! Call them now and tell them you are in pain. They can take a plain x-ray as it is certainly possible that you can be passing a stone fragment at any time. Don't wait in pain; break the pain cycle and get some relief. I have never heard of an insurance company not covering ESWL until the stone is THAT large! Especially if you are symptomatic.