Melissa,
The chest x-ray will only pick up a tumor 15% of the time. It did not pick up my mother's, even at it's latest stage. EARLY detection is key. If you are a person at risk, I would recommend a low dose radiation spiral CT Scan. I looked at X-rays and CT Scans my mother took with the Dr. Dr. could not see anything on the xray and as clear as day could see on the CT Scan.
On insurance...the insurnace cos will only cover what is deemed protocol by the ACS or the NCI, and CT Scans are not.
I hate to demonize insurance, as the fact is, it is a good thing, but we are obsessed as a society that every and anything we want should be covered by insurance. If something is not covered, we have a choice. Pay or potentially pay with our health.
I just don't like that if it is not covered the doctors don't consider educating, informing and then giving you the choice to pay for something once you weight the risk/reward.
That's my gripe!
But for you personally Melissa, I don't know your personal or your families personal history. My mother died of Lung Cancer. She smoked for many years, I never have. I am technically "more at risk" than I was because I now have a family history, but am not an "at risk person" to the point where I would need annual CT Scans. If your family members who had LC were never smokers, pay for it! If they were and you are pay for it! If they were and you weren't...weigh the cost benefit.