She HAS insurance, she might DIE from what she sees happening, she needs to BITE the bullet, go do the tests, and OWE the deductable. Maybe she pays it, maybe she doesn't, maybe she owes it for years until it gets written off and fucks with her credit,maybe a social worker shows up to visit her in the hospital to pull the funds from some other source.
These are all CHOICES.
Better that than than wait 6 months, as it gets worse, and have the cancer or infection or whatever get to the point of untreatable.
And then DIE.
Is LIFE worth it? Yes. Stop blaming others for the crappy generic situation and go get the tests done. Don't like taking any support funds from any other source? Maybe those genes weren't meant to continue. Pride is not worth life! For those that it is, then natural selection is still as work.
You either work in the system and survive, or don't and go it on your own. Try living in the woods with NO medical access for a few years. Maybe then you will appreciate what is available to us now, even if it is rediculously expensive and the insurance companies are skimming huge chunks.