Yes, I'd say a D&C is called for.

The insurance is always a problem. At 17 you are still a minor (emancipated or not) and should have been covered by the State MIChild program, but I don't know what would happen now that you are a legal adult (even though the problem began when you were a minor). MIChild cuts off at age 19.

Possibly Medicaid, maybe the state programs for women's health. Try getting ahold of these folks for some insurance help: http://www.michigan.gov/mdch You should certainly qualify as a "medically needy adult". An incomplete miscarriage that has been bleeding for 3 1/2 years counts as "medically needy" in my book!

Is there a Planned Parenthood near you? They are a great resource, and will certainly know of some financial options.