A good friend of mine has always asked me to get a PCR test the day before visiting her. She's not immunocompromised, but has some physical limitations and mobility issues so going to doctors or needing to stay in the hospital is an extremely stressful situation for her.
Anyhow, I live in the Boston area where we always had free PCR testing. Unfortunately that test center shut down last month. The alternatives seem to be urgent care centers, CVS, or hospitals. I think you need to have symptoms for insurance to cover it (and I'm guessing there are co-pays). Partly because of this strict testing demand, she doesn't get many visitors. Rapid tests aren't sufficient for her. She is adamant that she can't get COVID. It is starting to feel like I'm doing all these crazy accommodations for this person that are sacrifices from my point of view.
It seems like unless I find some other system for getting a no-questions-asked PCR test, which seems to be requiring a bunch of legwork at this point, I just have to tell her she needs to accept that she's made it so people can't visit. I can also offer to see her in a few months when it warms up and we can sit on her porch. I'm already starting to feel resentful about it.
Edited to add: I'm wondering if *generally speaking* there are limitations or drawbacks from going through insurance to get a PCR for a non-urgent reason (besides likely co-pays). I know insurance coverage varies a lot but it seems like something I wouldn't want to do for a frivolous reason.