Medicare covers screening colonoscopies in full—you don’t have to pay a deductible or co-insurance. Most private insurance companies cover it, but you’ll have to call your insurance company to find out the details. Ask about any copays, deductibles, limits or exclusions that may apply.
Medicare covers diagnostic colonoscopies without a deductible. But you will pay 20-percent co-insurance. If you have private insurance, call to ask about your out-of-pocket costs.