I can only guess the costs for the tests are too expensive. Still couldn't insurance cover the tests?
The short answer is that the tests don't exist. Cancer is still a hard problem that's a mess of environment and genetic factors. The tests that do exist (e.g. the PSA test for prostrate cancer) often have limited utility.
If you want to fix that help do basic research, or fund basic research. It's not a conspiracy. It's just a really, really hard problem.
Little known fact - most MRI machines are always on because they are made via a superconducting magnet, I know some residents who climb into them at night and scan themselves for educational purposes.
I can only guess the costs for the tests are too expensive. Still couldn't insurance cover the tests?