In the US, I highly doubt any insurance would pay for a prostate MRI in a 51 year old with a PSA of 1.1, negative finding on DRE and no family history of the disease.
Who gives a damn what "any insurance would pay for"?
I am interested in if any doctor's medical opinion would recommend the screening. (And I'm here for a discussion of the corrupting influence of the insurance industry on such 'recommendations', but then you're still back at the initial issue: for profit healthcare)