Tests that check for chromosomal abnormalities

Amanda • Mommy.5.2016
Harmony , panarama
I've seen post after post about these tests and from what my dr both high risk and regular ob and the ultrasound tech is that I don't qualify for these tests because I don't meet the requirements .. In order to b suggested I was told 35 high risk and have a reason to test.. So since I doubt majority of you are 35 and only a handful are high risk how was these tests approved? Did you pay out of pocket? I was thinking of it but then again why would I want to worry about something I can't control right now