Bleeding during pregnancy

I've been having light cramping on and off but it's almost nothing so I thought it was normal. This morning when I went to the restroom and I whipped it was a little red. Im not sure how far I am yet but I believe it's 4 weeks. I don't have any pain but I have had a miscarriage 4 years ago can the bleeding mean another one? I don't have a doctor just yet because I'm waiting on my insurance to kick in, Should I be worried?