We didn't have any problems with insurance. We did genetic counseling within a year after we had Jake, and then Micalah's amnio results were sent to the same lab. We were not surprised at all when she had CAH as well. Having another child was well worth it, though, and we will never regret our decision. Good luck with all of your testing - I hope you get all of the answers you are looking for. And congratulations on that new bundle of joy! Becki