I don't know if this is an option for you or not, but I know when I was going through the whole ivf process, they wanted my husband to get a specific blood test to ensure he was not a carrier of cystic fibrosis. Now, we did have insurance, but apparently that's not a test that all insurance companies will cover, and they said if our insurance didn't cover it (it did) that there was a specific day he (and people who don't have insurance for other tests) could go and pay cash at a reduced cost. Maybe your doctor has something similar for the tests you need?