It's a costly procedure and, typical of the insurance companies, they attempt to minimize expenditures.

My own company, HIP of Greater NY, has put the colonoscopy in the "preventative" category...........they figure that catching a pre-cancerous polyp before it causes catastrophic problems ($$$$ for the insurance company) is a good investment.

Not all of them think in similar vein. Not a damn thing you can do about it........as usual.