At my yearly physical, my primary care doctor recommended a colonoscopy since i'm 54. After scheduling it, I looked into my (Anthem BC/BS HMO) benefits. While it clearly states that I am entitled to a once a year colorectal examination as part of preventive services with a $25 co-pay, they say a colonoscopy is not a preventive screening but outpatient surgery with a $400 co-pay.
Has anyone else run into this? Seems to me that the insurance company is simply trying to avoid the costs by reclassifying a preventive screening into another category.
A quick google seems to indicate this may be going on elsewhere since it looks as if Texas (?) may have passed a law to get insurance companies to cover colonoscopies.

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1977 300d 70k--sold 08
1985 300TD 185k+
1984 307d 126k--sold 8/03
1985 409d 65k--sold 06
1984 300SD 315k--daughter's car
1979 300SD 122k--sold 2/11
1999 Fuso FG Expedition Camper
1993 GMC Sierra 6.5 TD 4x4
1982 Bluebird Wanderlodge CAT 3208--Sold 2/13