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Best Answer: A paternity test is not a necessary medical procedure, therefore its unlikely that you'll find a health insurance company that will cover one. If you get a court ordered paternity test, its possible that you wouldn't have to pay for the test...depending on how the laws are in your area. That's something you'd have to ask an attorney. Otherwise, if you're just curious about who your child's father is, then you or he will have to pay for it out of pocket.
However, a few states do provide free testing: 1  Arizona - Arizona pays for the upfront cost of the paternity test, and the father of the child must repay the fee.  Alaska - Alaska pays for the paternity test, but if the test shows the man is the father, he must pay the state the cost of the test.