Pedi doctor had refered us to a genetic specialist for some testing. I was told would be a simple blood test only at appointment was informed my insurance would not cover lab for this particular type of doctor. It would go towards my ductable and would be over 1000.00. I decided to wait I dont see the need any putting anything towards the ductable when it starts over in Jan. Well I also thought if I wait to Jan I should start shopping for a new insurance with a lower deductable and better coverage for difficult child. Does anyone know if a prexisting condition ie a mental health diagnosis will make a difference in a insurance co denying or higher premimums?