Hi, welcome to HCM.
As per your history it looks there is injury
to Scapoid bone either a fracture
or dislocation of scapolunate joint. If it is not clearly seen on Xray then you need to get evaluated. Choice between MRI
or CT scan
is depends on clinical examination and your orthopaedician.
It will be better if you discuss financial issues with your doctor. In either case further evaluation is must.
Hope I have answered your query.