Implantation Bleeding???

Candice
This is semi-lengthy, & super-explanatory. Please bear with me. , as the more details I give, the more information I can hopefully receive. 
My husband and I have been TTC for just over a year. I just had AF from as soon as I woke up the morning of November 14th-18th (5 days long). This is the 1st month AF has not been a week late since quitting the Depo Provera shot 13-ish months ago.
Then, 2 days ago, Weds the 22nd, (4 days after AF ended completely), I spotted. It was extremely light. So much so, that I didn't notice more than a slight wetness that I assumed was normal discharge until I pulled my panties down in the restroom. It was a dark reddish brown. There was only a few small drops on my undies, and none when I wiped. It didn't hurt.
My husband and I did take advantage of my lack of AF though. The 19th, we BD twice. Then, once the next day (22nd). I'm telling you this because I know that a general response will be, "did you have rough sex?", or something of the sort. It was the same we always do. I didn't hurt afterwards or anything.
I know it's too early to test, but I know when I got pregnant 7 years ago, the baby was conceived right after my period (that was the only time I had had sex that month, so I knew exactly what day). I never take ovulation tests because I thought the app knew better than me. But maybe I ovulate differently?
Could it be ovulation bleeding? Or *fingers crossed* somehow implantation bleeding?
Any ideas? Thoughts? Suggestions? & please don't say, "go to the doctor". I know it's good advice, but I'm in the middle of open enrollment right now, & my health insurance is a mess. & please don't say, "how can you get pregnant while your health insurance is messed up? Isn't that irresponsible?", because my husband & I have been trying to have a baby for awhile, & open enrollment chaos will end in less than a month. Please, ladies?! I'm desperate for baby dust!