Feeling defeated....

I feel like I made one bad decision and now it's going to haunt me.  It took 8 weeks for my HCG to go down to 2.  My RE wanted me to have another sonohystogram to make sure no placental tissue was left behind.  I was really hoping nothing would be found but of course there is either a polyp or placental tissue in my uterus.  Radiologist will determine.  It means surgery either way.  Also explains why I'm still spotting off and on .  If we had done this in August, maybe there wouldn't be anything in my uterus right now and the insurance would have paid it in full. Since J is on LTD we had to sign up with my company insurance and my oop max is 5k.  I guess I'll wait and see what it is first.  But I know it's going to be costly.  My only other option is to travel to my RE and have him do it.  I know it won't cost as much.  I'm just kicking myself for not getting the D&C back in July/Aug.  It would have been over with and I could have been cycling again.  Instead I'm dealing with it now.