FYI for those looking to test ahead of your cruise. I'm in the Miami area and Nomi Health is a big COVID testing provider that works at the County and State levels. Their response to my inquiry is below, as to whether or not testing would be covered for travel purposes and if not, related costs:
"As long as you have a domestic address regardless of insurance, testing is free through Nomi in Miami-Date. Just bring identification or proof of address. If you do not have a domestic address, but have insurance, bring your proof of insurance and testing will be free. If you do not have a domestic address, and no insurance, the fee for a PCR test is $75 and the rapid antigen test is $50."
You can schedule appointments with them via their website, including additional details regarding locations and testing. Hope this helps those in the area as testing for travel is no longer free in most places and is quite an expense.