M.S.
I have unfortunately had six miscarriages, the problem was finally resolved, Thank God!!
They always started with spotting then bleeding and then severe labor pain like cramps. The pain would be so bad my DH would sometimes rush me to the ER. I would also take a home pregnancy test each morning and if the lines started getting lighter that was also a sign (to me)that my hcg levels were dropping. Once the sac with the baby passed the pain would lessen and I would end up bleeding about ten days total.
Three of my m/c's required a D&C, and three resolved on their own. So, see your doctor as soon as your insurance kicks in and they will preform an ultrasound. As long as you are not cramping there is every chance in the world you can have a healthy pregnancy. {{{{hugs}}}}