I self-pay all the time for bloodwork, and more regularily now that I had a stroke with platelet count sky high at 688. Friday I picked up the deal of the month full Anemia Panel plus CBC at directlabs. Even with the 'deal' bundle it was expensive at around 300 bucks.
Not what you wanted to hear I am sure. I too am getting the shaft as my insurance rejected VSL#3. I think we should push back as hard as we can.
One poster here provided the 'paragraph' that his doctor submitted for him and they immediately approved VSL#3 hopefully you can get some similar guidance.