It’s difficult finding a balance really and yes, comes down to money.
I do think a scan at say 36w would be good. With DD1, I had a low lying placenta at 20 weeks so I was booked for a scan at, I think, 37. It had moved but they then saw I had much too little amniotic fluid, so they kept an eye and I was induced. By the time she was born there was virtually no waters, she was distressed and the placenta was quite calcified. So it scares me to think what may have happened if the placenta had been normal at 20w, because I’d never have had that late scan.
With DS, I had a normal pregnancy with no interventions beyond normal. Fundal height was big but I had no extra scans. He was born a bit late, but nearly 12lb. Turned out I must have had GD (developed late as I passed the GTT), he also had low sugars which made the first few days a nightmare. So a scan that picked up his growth may have made this clearer, I could’ve been retested for GD and controlled my sugars. OTOH I’m quite glad nobody realised his size because they may have induced early or made me have a CS, when actually the birth was the easiest of my three by far.
With DD2 I was offered extra scans due to the above, and I did have GD, which I controlled with diet, but the final scan at 36w made them panic as she was showing small. Just due to the leg measurement they said the placenta must be failing etc. I was induced a week later and it was the worst experience of my adult life as she wasn’t ready to be born. She was not nearly as small as they thought, quite normal for 37+4, and perfectly healthy. The MW even cut the placenta for me and it was perfect. So I didn’t need to be induced, and I had a breakdown on her due date as I just thought she could’ve still been in there and I may have had a better experience.
It’s so difficult as I have had both under intervention and over intervention I suppose, plus a good level of intervention which only happened because of a random coincidence but may well have saved her life. But that one (ie DD1) is the one that makes me think one late scan as routine would on balance be a good idea, as the still birth rate here is high, and it really scares me to think what may have happened if I hadn’t needed that scan for another reason.
People can refuse scans I think, at least a friend is refusing the growth scans at 28+ weeks as she feels they aren’t necessary