Insurance lapse n pregnancy symptoms RANT

Due for Af july 18. No signs of it at all. Been crampy and moody which isnt unlike pms or pregnancy. TTC for 3 months after a miscarriage february 6 at just shy of 8 weeks. Cycle returned almost immediately back to 31 days. Tests were negative. I cant go to the doctors for a blood test because i dont have insurance conveniently just this month. Outside my miscarriage, I had two other kids and it was 8 and 10 weeks when i found out with them. UGH. Rant over, im just lost right now on if i should assume the negative as negative or when i should retest.