first off - i am very sorry for your loss. i had one at 8+4 and i know how terribly painful it is. i am glad you found your way over to this board tho! the women here a really really wonderful
i am going to say what i personally would do in your situation. i am still waiting on my first AF after my loss (which was in January), but if i were going on three months without AF i think this is what i would do.
first off i would go straight to my doc and ask them to check my blood to make sure all the hcg is out of my system. sometimes there are issues that keep this from happening, and if you aren't back down to zero right now (unless of course you are preggo again, in which case, definitely ask for an u/s to confirm) you need a docs advice on why you arent back down yet.
if you are down to zero and arent currently pregnant, i would buy a huge pack of opk's. that will tell you if you are least having your surge. temping will be able to tell you for sure if you are actually O'ing.
like kary said - after a loss things can be messed up for a long time, but i know if there doesnt seem to be any medical reason why you arent getting af, docs can give you a shot that will jump start your cycle back up agaiin.
GL! truly your first step ( if you havent already done it) is getting your blood tested! from there you will have more answers as to how to proceed