Praxiteles, I don't know how the rules work, but would you be able to do online consultations?
Is the "elective tests must be covered by the patient" thing true across all insurance companies? I've always wondered about this FAQ from a direct-to-consumer provider where they mention the possibility of ordering and then submitting CPT codes for insurance reimbursement. Of course they're incentivized to just get you to order, so maybe they're just mentioning a theoretical possibility.
Krishnan, I can't find a list of the blood markers Arivale tests for, but their exclusion of hormones makes me think you could probably recreate their panels for <$500 per quarter from some of the no-frills direct-to-consumer providers. InsideTracker looks like it can similarly be beaten price-wise. Although you'd lose the health advice / built-in-tracking in both cases.
Did you notice any value from the comprehensive quarterly testing? I figure some of the levels are too stable to bother testing often, and others are too variable for quarterly testing to help identify causes. I think my money-is-no-object ideal would be weekly tests on a few actionable markers, leaving the comprehensive tests for every year or two. Granted, my veins would hate me.