I have a few questions. I took a HPT but it was negative. I still feel that I may be pregnant?

First when I started feeling tired I thought it was because I havent been on my thyroid pill cause I dont have the insurance to get it filled. Then the bloating started to occure so I thought I was going to start, but it never subsided and I still feel bloated. The other day my husband and I were making love when he notice something hard against his belly. He made me feel it and I felt a hardness that was never there before. So I took a test and it was negative. Maybe I took it to early, idk. The thing is that I have PCOS and my periods are irregular so its hard to predict my next period. My husband does have kids from previouse relationships and he said that is something doctors usualy feel for is a hardness in the belly. Mine is right where my uterus is. Should I see a doctor or wait and take another test? I have heard of women getting negative test and are still pregnant. There is a show called I didnt know I was pregnant. Any advice would be greatly appreciated, ty