I'm not good at eloquence, but FWIW, most insurance will only spring for a medically necessary U/S so I'd just ask if there is an absolute medical necessity for it. I don't plan to have one at all unless something major comes up. As for peeing in a cup, I do that, but I can tell you off the top of my head that my 2 tests performed late in pg that I saw bills for, GBS and something else, totaled right around 100$. I know there are parts that aren't necessary a second time around like blood typing, certain carrier testing, etc. Good luck!