In my experience, any lab ordered at my annual physical is "covered" by my insurance (although admittedly, I haven't pushed this very far to test the limit there). Where I get hosed is that only "preventative" labs get paid by my insurance before I meet my deductible. Any lab that could be rationalized as being even loosely related to my diabetes diagnosis (in other words, just about every lab) is subject to my deductible before being covered. This is because they're no longer considered preventative and now are supposedly related to disease management. Since I have a HDHP and I'll never hit my deductible that means I'm footing the bill for them at the inflated rate my insurance and clinic agreed upon.
As they've figured out a way to get my out of pocket on the labs to over $500 for 6 basic labs, I guess that means this year I'm moving all of the "routine" ones to cash pay with a private lab (which will bring the cost down to under $100 for me and give me whatever minor satisfaction comes with knowing I'm cutting into my clinic's revenue by some small amount).