Will hcg levels decrease if it is ectopic?

Ash

I got a positive test at 3w4 days. Monday it was dark and I got bloodwork at 4 weeks and Found out hcg levels were only 26. On Wed they went down to 13.

I'm assuming this is a chemical pregnancy. I started to barely spot today. I'm wondering when the blood is going to come. However, I'm worried about an ectopic pregnancy. The cheapie tests are now negative. Should I go to the hospital to make sure it's not a tubal, or just wait it out?