My father and mother both had open heart surgery, i have high cholesteral, so i asked him to schedule me for a stress test or other screening for clogged arteries or a possible heart condition. he told me no. should i get a second opinion?

Such advanced testing is rarely covered by insurers unless your records document a checklist of different qualifying problems. Docs who order testing when you don't meet criteria are dinged by the insurers and they still may not pay. Get a 2nd opinion if you want, but be aware it may not be covered. A call to the help desk of your insurer can clarify their system and guide you.