On hydrocortisone since 2009, only 34 & health insurance is telling me to get checked for osteoporosis. is that correct, how do they test for that?

Good idea: Prolonged administration of steroid as well as the disease you are being treated for can result in osteopenia. The test that is done is called a "bone density" test.

Osteoporosis...: Chronic steroid use can lead to osteoporosis. A DXA scan can test for osteoporosis. Dxa is basically a low dose x-ray of certain parts of your body...Usually the lumbar spine, hip, and radius.