What should I do?

Today I’m 28 weeks 2 days and high risk. This is longer than my last pregnancy where my son came at exactly 28 weeks. Since Saturday I’ve been having lower cramping that comes and goes, lower back pain, and when I wipe there is discolored discharge (red/pink hue). Is this just how I’m supposed to feel? I’ve never been this pregnant before or is it something else. My GYN is quick to always say “just go to the ER” and it’s 300.00 copay every time I go (this would be my 5th time this pregnancy).I’m afraid if they call they will just say to go to the ER and it will be for nothing. Thoughts? Input?