Before you have your colonoscopy, it is important to call your insurance company about your benefits. There are two types of colonoscopies: screening and diagnostic. Most insurance companies will cover screening colonoscopies, but most diagnostic colonoscopies will be subject to deductibles and co-insurance.
Insurance providers have very specific criteria for both types of colonoscopies, so it is advantageous for you to call Member Services to inquire about your benefits and out-of-pocket estimates for your screening or diagnostic colonoscopy. Here are some factors that influence whether your procedure will be billed to your insurance company as a screening colonoscopy or a diagnostic colonoscopy:
Screening Colonoscopy Criteria:
Diagnostic Colonoscopy Criteria
When you are on the phone with your insurance company, you should also verify that your preferred gastroenterologist and facility are both in-network to keep the cost down. It is important to remember that these are just guidelines, and benefits may vary. Get the facts before you go in for your colonoscopy. Asking the right questions will help you be prepared and confident on the day of your procedure. Make sure to read our article, Questions to Ask Your Insurance Provider to Determine Your Colonoscopy Cost.