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As far as I know Heartburn is a burning sensation in my chest area, reflux is when I can actually taste it in the back of the throat and indigestion is when my tummy hurts in a certain way ( hard to explain)

For me, heartburn felt just how it sounds, a burning. Reflux would come up into my mouth during the night when I was asleep and make me choke. This was more towards the end though. Gaviscon was like crack to me

From Discovery health:

-Acid reflux occurs when stomach acid regurgitates up into the esophagus. Reflux is the cause of heartburn. However, you may feel no pain at all when reflux occurs.

-Heartburn is a sensation of tightness, pain or discomfort in the middle of the chest that can -- but doesn't always -- follow an occurrence of acid reflux. Heartburn is exactly what it would feel like if acid ate away at the lining of your esophagus, because that's what's happening.

While you can and do likely have occasional bouts of acid reflux without heartburn, you can't have heartburn without acid reflux. Acid reflux is the cause, and heartburn is a potential sensation. Reflux: the fire; heartburn: the smoke. The pain of heartburn is the irritation or damage taking place to your esophagus by the refluxed stomach acid.

For what it's worth, I have GERD pretty severely for someone my age, and had to have a small procedure to open my esophagus last spring when it had swollen almost completely shut due to my ongoing, persistant, reflux. I have it sometimes and don't even know it. I'd take some OTC treatments and see what works for you =)