did everyone get genetic testing?

Hi, I’m currently 10wks 4days & I had my second OB appointment this morning. We were planning to get the genetic testing done, for gender mostly. This morning I found out my insurance doesn’t cover the testing & it’ll cost $681 dollars out of pocket. The thing is I don’t mind waiting until 20 weeks to know gender, but it is kind of nagging at me that I won’t know about the possibility of down syndrome & all of the things of that nature. I guess my question is did you all get genetic testing & if not, was everything okay? I really want to give my baby the best chance at life but $681 dollars isn’t something I just carry around & spend willy nilly.

EDIT: the pamphlet just said materniT, i’ve since looked it up & it’s the nipt testing just to clear any confusion