Dear Kelly,
I can totally identify with what you are going through. I had a nuchal translucency reading of 2.9 at 13 weeks. After two miscarriages, it was a concern.
Please keep in mind that nuchal translucency upon ultrasound is NOT a very accurate way to detect Down syndrome or other abnormalities. All it means is that doctors have observed that fetuses with some genetic abnormalities are more likely (on average) to have a wide nuchal fold, however, it is not a definitive predictor because many normal fetuses also have a wide nuchal fold.
I think that the only advantage of having a nuchal fold reading is that it should really prompt you to have a CVS (genetic testing) right away which can give you a more accurate prediction of whether there may be a genetic abnormality such as Down's. A lot of people don't have this procedure done, which can be very useful in order to make decisions about the pregnancy. The CVS used to be a lot more risky, but now with the accuracy of imaging technology it has a much lower risk and you should definitely do it. It is practically painless and you should not be afraid of it.
If your CVS comes out negative, you might also want to consider a high definition ultrasound later in your pregnancy to try to assess whether other malformations might be there that may not be genetic in nature.
I also want to tell you that there is a VERY GOOD chance that your baby is FINE. As I said, I had a high reading too and for me it was quite a problem because I had had two miscarriages prior and I was 44 years old when pregnant at that time. But even though the nuchal translucency reading was high, the CVS came out OK for every genetic defect that we were able to test. At 45 years old, I gave birth (vaginally) to a beautiful baby girl who is very smart and fun at 1 1/2 years old. So again, I want to reassure you to go ahead with the tests and be hopeful that everything will be OK. It is very possible that your pregnancy is fine.
Hope this is helpful.
Mama