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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.
Most insurance plans will cover the test if you have risk factors for chromosomal abnormalities in your baby, but you might have to help pay for the costs. Some insurers require prior authorization for an amniocentesis, so itâs best to call the number on the back of your card to find out the specifics.