Your doctor works for you. If he will not order tests that you request then find a new doctor -- the only reason you should need is "I want them done". I have never heard of anyone being denied medical coverage for getting blood tests done too often -- but someone more in tune with insurance companies might have more info.
Morally, I agree with this statement. Unfortunately, many docs won't order tests without a "medical reason." Technically, Quest and insurance companies require medical reasons for each test. We docs write ICD codes (diagnostic codes) on the Requisition Forms we give the patient to take to the Lab. Many insurance companies to not cover "non-routine" lab tests--like Testosterone levels, IGF and IGFBP levels,etc. That is their right. They also have the right to restrict how many times a year they will cover repetitive testing. Each insurance company is different. An insurance company that doesn't cover testing is no excuse for not getting the testing done.
You really only need three batteries of testing--before you start, during, and recovery..then periodic checks every year or every other year. Someday, docs will routine check test levels and the other "nonroutine" tests.