I had 3 "needless" scans with my DD - she was my fourth pregnancy after three losses and I was a nervous wreck. I agree with not lying about bleeding - I always worry I'm tempting fate to do things like that! Like the others have suggested, just explain to your GP that you're really worried and want a scan to put your mind at ease (I don't think you'll be able to get away with not paying for it). Your mental/emotional health is just as important as your physical health.