Pregnancy/ Birth. control

Megan
Hey ladies,  I just have a strange question and figured I would get a faster response from you ladies then anyone else. I recently about 3 months ago switched my birth control from the depo injection to the pill. My question though is the packs info says if I miss my period two months in a row I need to see my provider and take a pregnancy test. Since it's the end of the month, I'm pretty short on cash right now so I would like to avoid paying a co pay for my insurance at the moment. Would a home pregnancy test give me accurate results or no? My new birth control is Lo Loestrin Fe and it only has 4 days of placebo pills for the end of the month so I'm not sure if maybe because I already had short/ light periods that maybe I wouldn't actually have one since I only have 4 days placebo but I'm also worried about being pregnant. Can any of you guys give me some advice please?