Insurance is such a nuanced thing. But you do raise a great point on why pcos women should still pregnancy test regularly, even if its really hard...just incase. Im sure some women might view it differently, but worth the discussion, i feel.

I imagine it depends on your insurance, where you are, and your doctor. I switched insurance early on in my pregnancy and they covered the bills that came up after the start day of the insurance (within the limits of my insurance plan). If you find out your pregnant later on in your pregnancy, your doctor might order more tests at once to "catch up" on the ones they would have probably done early on. Example, they usually do blood work to test if you are immune to rubella, your blood type, and might do an ultrasound somewhere between 7-12 weeks. Insurance varies on which tests/exams they will cover, how much, and how it works with your deductible. As long as those are preformed while your covered it doesn't necessarily matter where you are on a pregnancy timeline. The one caveat being that insurance sometimes does not covering more than one ultrasound per trimester. so you could end up in a situation where the 12 week ultrasound if done later and the 20 week anatomy scan are done at competing times. But that really depends on if your insurance would give you trouble for it (some people get many ultrasounds without insurance being qn issue) and depends on how your doctor would want to manage it.