How long can I wait to go to the doctor?

Brittany
I am 3w6d and my husband just recently switched jobs so the insurance from the old job is done but the new insurance for the new job hasn't started and when I called my doctor she said with my first visit and all the test I might be looking at $500 out of pocket, I was wondering if I could wait till next month to try to go which would make me 8-9 weeks! I don't want to wait too long Bc i had a early miscarriage in March but I know if it's going to happen again there isn't  much I can do! When is the latest best time to go?