[Mz]

The insurance company is well aware that few people will seek such an exam unless they have reason to suspect they have a problem. It is similar to the idea that you don't want to sell insurance specifically and only to cover pregnancy. Any woman looking to sign up for such coverage is extremely likely to be planning on getting pregnant.

Insurance is about risk management. In order to have "risk" there has to be chance. A lot of human behaviors are a choice, not a random roll of the dice. The insurance company is well acquainted with that fact.

I understand your framing, but, no, it doesn't really work that way. You just aren't going to have enough people who are sure they do not have autism decide to get tested for it for it to be a serious risk for the company. Their current policy covers their ass: if you get tested to confirm your diagnosis, you get to pay for the test and, apparently, volunteer to pay out of pocket for any further treatment related to your new diagnosis. They can merrily claim to cover the test if you do not need it because, in practice, the odds are really poor you won't get it if you do not need it.

I hope that is a little clearer from my end.