Thank you Amanda for ur query.
I am Dr Sharon. In your case you can get your insurance back and get tested for beta hcg
level in blood.It can give some clue wheather you are pregnant or not.Another thing to be kept in mind is the possibility of an ectopic pregnancy
that is pregnancy in sites other than inside the uterus
. You can know that by doing an ultrasound
. Anyway consult a gynaecologist.