 [ Symptoms ] i may need diagnostic testing and this time i have a trail period before i can get my health insurance i would be a self pay pt and fear the cost of such tests if i go to an emergency room can i convince them to order mris cts without insurance if i am concerned i am putting this off for as long as i can right now [ Disease ] routinely no but if there is a family history of skin cancer or any suspicion that blood may be in the stool either visible or occult hidden then one should definitely do it there is no set age to do this test but anytime you are having a complete physical exam including a rectal exam this test can be easily done at this time