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My insurance wouldn't pay for my colonoscopy (colon cancer runs in the family) due to me being under 49. How the fuck am I supposed to mitigate it if I'm not allowed to fund it? Yall MFs know that I can't pay you monthly premiums if you don't keep me alive, right?
If your doctor says you need one, insurance should be covering it.
Ha. Hahaha. Haha. That's cute.
How long ago did you ask? The old guidance was at 50 years old, but with the guidance changing to 45 years old insurance should cover it if you're at least 45. I went through a similar you did under the old guidance. I can confirm that my insurance paid and I'm under 50. Note, the one you want is a "screening colonoscopy". These are covered under the ACA, I believe. If it is a "diagnostic colonoscopy" those cost more money. Its the exact same procedure for both.
On my 45th, instead of a colonoscopy, my Dr. had me do the "Cologuard" stuff. Insurance covered that. I turn 46 this year.
Hey just say you've had off and on rectal bleeding for a few months.
Low iron did it for me. Likely due to frequent double red blood cell donation (only as frequent as regulations allow). Scope went quick and easy and nothing concerning to note.
Dude I'm in the same boat. I just turned 40. I was having regular check-ins due to a run in with cancer (Testicular, Stage 1, caught it, beat it, done) and it just so happened that my check-ins were a few days after I would give blood. They straight up ordered me to stop giving blood for a while 🤣
Still wound up with a colonoscopy because they wanted to check me out to make sure (clean as a whistle, and I had an upper endoscopy in the same visit)
You can be alive with cancer. You’ll pay more.
That sounds like that would justify medical necessity. I would ask your doctor how they can get it approved, or your hospital's patient advocacy office.
Worst case, ask what happens if you want to do it with no insurance. Sometimes they can take the out-of-pocket cost way down.