Reading your "so what happened" and, nope, if you have a hernia, it very likely could be causing you no pain whatsoever. So, definitely don't base it off of that. From your description of when you're laying down and go to sit up, it sounds like a hernia to me. Do you have much of a muscle spacing in your belly? Like if you lay on the flat ground with your knees bent, feet flat, and if you place your fingers at your belly button, lifting your head very, very slightly...just enough to feel the sides of your belly muscles, is there much of a spacing between your muscles? How many fingers can you fit in that space (and don't over tighten your belly muscles, just gently lift your head until you feel feel the edges of your muscles).
I was diagnosed with an umbilical hernia about 10 weeks ago. I had had it for a long time prior, but I never realized it. I have a large muscle spacing when not prego - close to 4 fingers. I'm healthy and in shape, but I had a huge 10 lb 11oz baby, and it really stretched out the belly muscles (when it gets that bad, no exercises can fix it!). At the time, I was about 28 weeks prego (I'm now 37.5 weeks).
Anyway, I found out I had a hernia because one day it started hurting. It literally felt like I was being stabbed in my belly button (at least it seemed ot feel that way, as I've never been stabbed in my belly button). I couldn't move, couldn't speak, could hardly breath because the pain was so intense. Of course, my 3 and 4 yr old decided to have a fight and chase each other around like crazy kids at that exact moment, and I couldn't do one thing. I could barely breath words out to them to ask them to calm down. But they couldn't hear me.
It was very intense pain. It lasted for about 30 minutes maybe? I thought I was going to have to call 911 and get to the hospital because the pain was so severe. I called my dr and got in a day or two later and was diagnosed with an umblicial hernia. Luckily it has not done it again!
I'm due in 1.5 weeks. I'll be having a c-section and my doctor will fix the hernia and also attempt to fix the muscles so that the hernia doesn't return. The muscle repair she is unsure how successful that will be due to the fact I'll have just given birth and my belly won't be back to non-pregnant state yet (she said it's hit or miss with it). But she'll give it a try. She said she'll see me again in 6-8 weeks after I have the baby. If the muscles aren't fixed like she wants, then she'll refer me to a plastic surgeon for the muscle repair. It'll be covered under insurance since it's a medical necessity due to the hernia. It sounds like she has some plastic surgeons that are for sure covered by our insurance.
Anyway, oh, and yes, in rare cases, you can die from a hernia. I think it's important to get fixed! And, if your muscles are messed up, be sure to fix those too, as it can come back if those muscles aren't fixed. Hopefully your doctor will know some plastic surgeons that will be covered by your insurance due to medical necessity. My doctor made it very clear that our insurance would cover the cost...I hope that's your case!