Stressed need opinions

Jessica
Ok so me and my husband have been trying for almost 3 years. Weve done the clomid, the fertility dr etc.. we were scheduled for a HSG (dye test) to check my tubes but they all keep telling me that my insureance wont cover it. We last month 9/12 was our first visit to the fert. Dr and they told us my husbands motility was low well the on 9/15 i started my cycle which was actually 3 days early, (im usually 28 to 30 day cycles that one was day 25.) Well this month i waited on my cycle and waited and test, and waited. No period, no postitives. Well over the coarse of last 5 days i have been spoting (if your counting that days 34, 35 ,36 ,37, 38) well today day 38 i started bleeding very heavily for just a little while and now im back to spotting. Im just so aggrivated that its been 3 years and no baby. And i had a miscarriage in march of 2013 and im scared it will happen again or is happening again!