not approved yet

hi all i have a question i havent been approved yet by my insurance company but i already start all my testing ive had my psy evale ,had the blood work and had my upper gi scope i have appointments for stress test and ecco is it worth my time and all the money if i dont get approved the insurance girl at my doctors says that they cant put in for clearnence untill i get all my test done is the the right way please any help is appriciated