I do have Medicare insurance. However, I don't always agree with the tests doctors want me to get. An MRI would probably show you have some disk issues, but what are you willing to do about it anyhow. I have had back problems for many years - siatica with pain going down my leg. I've learned that you have to keep the lower back muscles strong & bending & stooping in the garden really helps with this. I see you have a little girl. Picking her up is a no-no. Anything that puts more stress to one side vs. picking up with your knees bent & object directly in front of you will aggravate your back. Carrying a child on your hip will aggravate a back problem.
Gyno doc gave me script for bone density test. My response is that I am not willing to take anything beyond the extra calcium & vitamun D, what purpose would the test be?
Unresolved medical issues can really take a toll on you mentally as well, which lowers your immune system. Hope you get some relief without the MRI. Make sure you are drinking pleanty of water. That also helps my joint issues.