That is ridiculous but not surprising. I am guessing if they find a polyp it will be removed and it is then surgery rather than preventative care. I do medical billing and it is turning into a maze. When I first started billing someone told me insurance companies aren't in business to pay claims they are in business to make money.I've never had one although I should. I've had 2 major (5cm) abscesses in my colon.
Problem is, the insurance has no problem paying for one as long as nothing is found. If something is found, they will not pay for the colonoscopy. Something about it's then a different issue which they didn't approve.
I don't have that kind of money for that bill.