How would you be paying for someone else's unvalidated test? It's not as though you can go to the emergency room and say "23andme said I have elevated risk for

How would you be paying for someone else's unvalidated test? It's not as though you can go to the emergency room and say "23andme said I have elevated risk for XYZ so I need a genetic test real bad!" and get one. So what's the mechanism for you to be forced to pay for someone else's tests?