The costs out of pocket are really going to vary. Every clinic has a slightly different list of tests on their RPL panel and the labs have different prices per test. Every insurance will cover different tests- or no tests at all.
Ask your RE if they have an out of pocket agreement with a local lab to help patients offset the cost of testing. Ask the lab if they offer a discount for cash pay. It's a good rule in general to ask any provider which you see OOP if they offer a cash discount.
I am 100% OOP for everything related to infertility and pregnancy. My clinic works with Lab Corp and I can opt to pay the clinic and have lab corp bill the practice. My payment is significantly reduced. My (very in depth) RPL was going to run about 4500$ if I paid the lab... But cost me only 1500$ through the clinic.
My RPL came back with no answers. That happens sometimes. They looked for chromosomal abnormalities in both me and DH. They checked me for autoimmune diseases which could impact my ability to carry a pregnancy. They checked for a number of clotting disorders which could cause a loss. They checked for a few genetic markers that are associated with a risk for loss. They have run every test possible on me and my diagnosis is the worst case of bad luck my docs have ever seen (especially after my loss this weekend... Which absolutely no one expected)
Most of the things they check for will impact your treatment. They'll put you on blood thinners if you have a clotting disorder. You can be treated to reduce the impact of some autoimmune diseases. You can do pre-implantation genetic diagnosis to put back only chromosomally normal embryos if one of you has a chromosomal translocation.
The majority of a RPL panel will come back in less than a week. Karyotyping may take two to four weeks depending on the lab. If any of the results come back positive there may be additional testing. All in all the testing period can take 3-4 weeks to get everything from the RPL to an HSG to the SA to maybe even a hysteroscopy scheduled and all the results returned. If anything gets delayed it could be more like 6-10 weeks for the testing phase. Then, depending on the type of treatment (IUI or IVF) the cycle itself may need 3-4 weeks of birth control prior to getting the fertility meds running.
It's a process.