Yes, not only is it difficult to get insurance to cover neuro-pysch testing, which can be $2-5k for each testing period - you may also have to hire an outside legal advocate (more $$$) to actually get your school district to agree to the accommodation recommendations at your IEP meetings.
Not to mention, depending on where you live - getting a testing appointment can be a 6-9 month wait. Testing can take several days and then results usually take 4-8 weeks to fully get written up.
It is not uncommon for it to take 1-2 years after a parent, teacher or other person identifies a potential issue for a child to start receiving accommodations. And that’s if the family has the time and resources to be able to pursue testing and make sure accommodations are being provided, and nothing else delays forward progress.