STD scare. Need advice

On Wednesday I went out a gay bar and ended up going to someone's house. He took me back and when things were getting hot a heavy, he inserted himself in me without a condom. I didn't expect that. And told him to pull out and he did. It all happened so quick. I tried to get pep today but because it's the weekend, I was having problems with getting in contact with my insurance. The pills would have costed me more than $2000. So l didn't get on pep. At the clinic today they did a rapid test and it was negative. But it's only 3 days from the incident so I know it's far from conclusive. We also did blood work for hiv and other stds. My nerves are through the roof. I wanted pep to get piece of mind. Idk what to do