Family doctor first or straight to OBGYN?

I haven't taken a test yet but I have a strong feeling I could be pregnant. Not planned, not married, still live with parents who will not be happy, and I'm only 20. If I do take a test and it's positive should I go to my pcp first to confirm with a blood test? My issue is I'm on my parents insurance still.. So I'd like to tell them if I am before they get a bill from an OBGYN and freak out. But if I go and I'm actually not then I don't want to worry them. I have no idea how insurance really works... Luckily I am insured though. I know I shouldn't be thinking ahead like this when I'm not even sure but I just want to know before I take a home test. Thank you!! 

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