If I am pushing 65 should I go for a lot of tests or will having problems affect my ability to get supplemental coverage?

Do recommended tests. Preventive tests and exams are generally covered without copay. As for which tests to get, i would inform yourself about which tests have actually been shown to work and then discuss them with your primary healthcare provider to see if they are right for you. A good resource with a list of proven preventive tests and vaccines by age and gender is an iphone app called my health checklist 2012.