If the insurances pay for a test or a treatment it might be nevertheless useless or dangerous, but if you on your own need to pay for it I would never forget about doubting it. They only want your best, but it´s not your health.
If you ask in respect of lyme I would tell:
I myself remember that my mental abilities changed after ticks (therefore borrelia). After so manny years I would be a patient with lyme disease, and indeed after some negative ELISA tests I got two positive ones and one positive western blot "possibly late stage".
But why spending money for questionable long term antibiotics if I can have a common "antibiotic" for nothing? cf:
Aguirre, Clark et al. 2013. This I would call good luck.
I have been told, an antibiotic is something which damages the pathogen much, but yourself less (therefore you can applicate it). Until now I have been more damaged by doctors than by my own antiborrelia diet, to be clear, I can´t see any negative effects.
When I started my diet I got initially very good effects and thought "borrelia!". Maybe it was even not true anymore, but the changes which these special few bacteria have caused need to be reversed. So maybe even the tests have been nonsense. But I am on a long term imrpovement.