First of all, things may be different between the U.S. and Canada with regard to private insurance. I have read, for instance, that insurance companies in the U.S. will not pay for more than a month's worth of antibiotics because of the IDSA guidelines, but I have not found that to be the case with my insurance company in Canada.
Here is a breakdown of what you can expect.
Please note: These are the prices I paid in 2011. I know for a fact that some fees have gone up since then, especially for the LLMDs.
1. IGeneX tests - This will be one of your first expenses, perhaps before you even see a Lyme-literate medical doctor (LLMD). The tests will cost you anywhere from $200 - $1200 depending on what tests you order. The most important test for you to get is the Western Blot (both the IgM and IgG). These 2 tests will cost about $100 each. I chose to do the basic Lyme panel, all the co-infections, and the CD57 test, so my cost was around $1200. But don't feel that you have to do all of that! Some LLMDs don't even recommend spending the money on the co-infection panel because there are so many strains of these infections, but the tests only cover one or two strains. In all likelihood, the test will come back with a negative result for co-infections even if you are infected. Let your LLMD give you a clinical diagnosis for those. Sending your blood samples to California via FedEx will cost around $75. (See my IGeneX Lab tab for detailed instructions about sending your blood to this lab.)
Massage therapy - I never did this, but it is helpful for many people.
This is an investment in your future.
P.S. We're currently trying to have my Lyme expenses recognized by the Canada Revenue Agency for a medical deduction on our income tax. All of our receipts have been submitted, and now we're waiting. If we succeed, I will consider this a small victory for Lyme sufferers. Stay tuned....
(Update: Check out this post to find out what happened with the Canada Revenue Agency. Good news!)