By now I am fed up with all this back and forth and decide that I will schedule the colonoscopy anyway and deal with being charged afterwards. I call the doctor’s billing office again to get the final ok and learn something new. They say that the colonoscopy is considered ‘routine’ and thus free not only if there were no prior indications of cancer but also only if the doctor finds absolutely nothing. If the doctor finds even a single benign polyp (which is not uncommon), then it ceases to be routine (and free) and I have to pay the full amount, which is about $1,500. The insurance company had not told me this piece of interesting news nor is it spelled out in their policy. So whether I pay nothing or whether I pay about $1,500 depends not on the procedure itself but on what they find during the procedure! In other words, I have no idea going in what it is going to cost me coming out.
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