Caitlindean - firstly I am so sorry for your loss. I had a D&C in a public hospital and it didn't cost me a thing. Personally I would get it done sooner than later as if you havent miscarried by now, you may not. I felt very relieved after the d&C that I could start again fresh. It doesnt hurt and you are put to sleep and then after you may have a bit of cramping but not much and will bleed for up to 2 weeks.
Big Higs hun