Tammy,
Again, check with insurance, I just confirmed today that DD7's achievement test will be covered. The tester's office bills any test under the same testing code and they don't give the insurance co. details about what the test is. Everything falls under the generic term of psychological testing.
That's just how it works, I don't think it's shady.
I did call around and found a local tutoring group, that also offers test prep classes, like SAT/ACT.
They would administer the WJ for $350.
Hope this helps, hope you can find the test for a reasonable price.
Incog