If a doctor has ordered the echocardiogram to be done to detect or diagnose or monitor any heart problems then yes the echocardiogram will be covered by health insurance.
If you just go into have the echocardiogram done then the health insurance should cover the echocardiogram but there's no guarantee that they will.
The out of pocket costs for an echocardiogram costs around $1,000.00 to $3,000.00 and then an additional fee of $200.00 to $300.00 for a cardiologist to do the interpretation of the echocardiogram.