If you are having prostate problems, you need to get a PSA check and DRE right away. There is a chance you MAY have prostate cancer. It affects 1 in 6 men sometime in their life.
Caught early, it is curable. If you doctor says it isn’t needed, you eed another doctor. If yu PSA is 2.5 or higher, you need to get it rechecked every three months, if it goes up to 3.0 or 3.5 within a year, you need a biopsy.
I speak from experience that you don’t want to take chances, and you sure as hell don’t want to follow the advice from your insurance company or doctor if they tell you different. Demand it.