The tests that are not covered by insurance are tests that are not deemed medically necessary.
Tests that are done for curiosity, wellness or optimization like routine vitamin/mineral testing like for Vitamin D, food sensitivity, allergy panel tests, genetic testing without clear risks, and for many plans even routine/dental hearing exams are often not covered by insurance.
Common tests like diagnostic vs preventive nuance tests, specific exclusions, Non FDA Approved, Experimental tests, Preventative tests without risks factors, functional and alternative medicine tests are not covered by insurance.
A routine, preventative test like a screening colonoscopy might become a diagnostic test with out of pocket costs if a polyp is removed.
Routine physical exams are covered by some but not all health insurance as well as eye exams for glasses and hearing aids may not be covered by insurance.
Tests that are not FDA cleared or approved or that are in an experimental phase are not covered by insurance.
Tests that are conducted without a doctor's recommendation or for conditions without symptoms are not covered by insurance.
And hormone testing like for general wellness, non diagnostic, cortisol stress tests and routine wellness blood panel tests are also not often covered by insurance.
And saliva analysis tests, hair analysis tests, heavy metal panel tests, and specific gastrointestinal health panel tests are also frequently excluded from health insurance coverage.
To avoid any unexpected costs, check to see if the lab and provider is in network.
And get a formal doctor's order for any test to prove medical necessity.
And ask your insurer for a pre approval or pre certification for tests.