1. A scanner for early detection of a latent pathogenic bio-signal anomaly in a patient comprising: an infrared sensor; an optical sensor; an input module to receive one or more key factor input for the patient; a metrics module electrically connected to the infrared sensor, the optical sensor, and the input module, comprising a combinational and adaptive processor and memory, to receive the one or more key factor input for the patient from the input module, acquire and store infrared sensor data from the infrared sensor and optical sensor data from the optical sensor, determine a combination of the infrared sensor data and the optical sensor data to use to calculate a key indicator based on the one or more key factor, generate the key indicator to represent skin health that is a weighted function of the infrared sensor data and the optical sensor data, and compare the key indicator to a baseline of key indicators to determine if the latent pathogenic bio-signal anomaly is present.