A patient of the medical office who is in the fourth month of pregnancy is reluctant to have a diagnostic ultrasound test. She explains to the medical assistant that she isn’t worried, even though the physician has said he is concerned because her uterus seems to be larger than expected based on the date of her last menstrual period. The medical assistant remembers the patient telling her that her husband switched jobs about 6 months previously.

What insurance concerns might be affecting this patient’s reluctance to have the diagnostic test?