Yeah, and there are really two pitfalls with maintaining an FAA certification. One is that often the tests are not "medically" necessary. They're just "FAA" necessary, so insurance understandably considers them unnecessary and you pay out of pocket. The other is that "excessive" testing (i.e. not medically needed) often leads to additional incidental diagnoses, which themselves can just expand the need for further testing and additional risk with respect to FAA testing. It starts to create a downward spiral at the airman's expense.