Most insurance companies no longer cover testing.  If you want to find out what your insurance may or may not reimburse, ask them how much they reimburse for “an out-of-network provider for CPT code 96101”.  (A CPT code is a billing code that I give you on a receipt in case you want to file with your insurance.)  Whatever the customer service representative tells you – get this information in writing, as insurance companies are not required to honor verbal statements.