Thanks for the information.
Genealogists document and construct family genealogies, lineages and relationships usually using available historical records. They study the genetics and disease within the family and the cause of death of all past members of your family.
Types of Genetic Inheritance:
Traits, including genetic disorders, can be inherited in a number of patterns according to what chromosome the trait is encoded on, and whether the trait is dominant or recessive.
Single Gene Disorders
Autosomal Dominant: one copy of a defective gene is needed (examples: polycystic kidney disease, Huntington’s Disease)
Autosomal Recessive: two copies of a defective gene are needed (examples: Wilson’s Disease, Cystic Fibrosis)
X-linked Recessive: only males exhibit the trait because it is encoded on the X chromosome; females can be carriers.
As for the cost and whether or not insurance covers it, this I do not have the answer to. Hope my explanation isn't too confusing...:)