Just to follow what has already been said. Most insurances cover preventive testing nowadays but if it is something not covered, please talk to the hospital. Most hospitals have a program in place to provide low- or no-cost care or they may know of organizations that can help. Try patient financial services or social services. They might require documentation like pay stubs, tax returns or receipts. If I'm not mistaken, a hospital that gets funds from Medicare or Medicaid also has to have a means of helping patients who are not able to pay for care. When I last worked in the hospital those applications were handled very sensitively, only a few people knew if a patient was in the program. Everybody got the same care whether insured or not. We also tried to respond promptly when the applications came in, so the care would not be held up.