In need of some advice...

I am a healthy 26 year old and have been TTC for almost a year now. I had a miscarriage/D&C at 10 weeks back in July and a miscarriage at 6 weeks in October. Causes of miscarriage were most likely chromosomal abnormalities. My cycles are usually pretty regular at 32-33 days. I have been using opk's which said I ovulated around the 18th of December. I am now on Cd 40, 17dpo with no AF and have had several BFN's. I have never missed a period in my life. Could I still be pregnant? Do I call my obgyn at this point or do I continue to wait it out? Also, I have just switched insurances for the new year and cannot go back to my usual obgyn so I need to find a new one! Just very frustrated at this point!