TMZ spoke with Kerry on her way to meet with doctors at a New York hospital -- where she told us, "There's actually, like stuff ... stuffed inside of my skin right now that they have to remove ... which is why I'm here."
Kerry -- who's still in a tremendous amount of pain -- also told us doctors believe her uninvited inhabitants may have either been spiders or some sort of fly.
But the chick who won "Frank the Entertainer in a Basement Affair" says she's staying positive --"I'm thinking maybe I'll get superpowers soon ... because that's what happened to Spider-Man when he got bit."
UPDATE: TMZ has learned Kerry stayed overnight at the hospital -- after doctors decided they wanted to keep an eye on her condition. She's expected to be discharged sometime today.