With rare exceptions health insurance (including Medicare) primarily covers treatments and tests for those that have, or are suspected to have, an illness or injury. Very few preventative services and screenings for persons without disease symptoms are covered and the exceptions follow ironclad proof that the benefits of the product outweigh the costs of screening hundreds of thousands of individuals over many years. Thus, even in East Asia and Europe, where blood tests for cancer screenings are far more common than in the U.S., the tests are paid for by employers and the individual consumer, not insurance plans. While do not expect the major insurance plans to cover OneTest™ any time soon, most HSA / Flex spending accounts can be used for payment.