Concerned. first pregnancy

I'm currently 7 months pregnant I'm 5'1 & weigh 125 pounds.. Well many people have told me i don't look 7 months or pregnant at all.. Family members thought I was 3 months I guess I'm really small does that mean my baby is small? My sister in law & doctor told me size doesn't really matter that my baby could be weighing normal size I've been concerned & I want to schedule an ultrasound just to check up on my baby size thing is my insurance won't cover it so I'm not sure how much I'm going to have to pay.. So my question is does size really matter? I'm a small person also.