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The rules say that plans must pay for a medical service or item if regular Medicare would pay for it in this case. 
You can find this rule at 42 Code of Federal Regulations (CFR) Section 422.101. 
 
The rules say that covered indications for Colonoscopy/Sigmoidoscopy/Proctosigmoidoscopy are: 
1. For evaluation of an abnormality discovered on barium enema and/or other imaging technique that is likely 
to be clinically significant, such as a filling defect or stricture or an inadequate examination; 
  
  2. For evaluation of unexplained gastrointestinal (GI) bleeding;   
   1. Hematochezia not thought to be from rectum or perianal source 
   2. Melena of unknown origin 
   3. Presence of fecal occult blood 
3. For unexplained iron deficiency anemia; 
4. For surveillance of colonic neoplasia; 
   1. For examination to evaluate the entire colon for synchronous cancer or polyps in a patient with treatable 
cancer or polyps. 
   2. For follow-up 1 year after surgery for treatment of colorectal cancer when the patient is identified as 
being at high-risk for colon cancer and is eligible for continued screenings at 24-month intervals. 
   3. For follow-up at least 3-6 months after colonoscopic removal of a large sessile adenoma (i.e., greater 
than 2 cm in greatest dimension). 
   4. For patients with Crohns colitis, chronic ulcerative colitis (UC), pancolitis of greater than 7 years 
duration or left-sided colitis of over 15 years duration (no surveillance needed for disease limited to 
rectosigmoid) may have a colonoscopy every 1-2 years for multiple biopsies to detect cancer and/or dysplasia. 
5. For chronic inflammatory bowel disease (IBD) of the colon (if a more precise diagnosis or if a determination 
of the extent of activity of disease will influence immediate management); 
6. For clinically significant diarrhea of unexplained origin with additional findings (e.g., weight loss or 
negative stool cultures persisting for more than 3 weeks); 
7. For intraoperative identification of the site of a lesion that cannot be detected by palpation or gross 
inspection at surgery (e.g., polypectomy site or location of a bleeding source); 
8. For evaluation of acute colonic ischemia/ischemic bowel disease; 
9. For evaluation of a patient with Streptococcus bovis (S. bovis) endocarditis or bacteremia; 
10 For treatment of bleeding from such lesions as vascular anomalies, ulceration and neoplasia; 
11. For removal of a foreign body; 
12. For excision of colonic polyps; 
13. For decompression of pseudo-obstruction of the colon (Olgilvies Syndrome) following a trial of 
neostigmine or cathartics or a documented reason that this would be either unsafe or inappropriate for the 
beneficiary; 
14. For treatment of colonic volvulus or stricture; 
15. For evaluation of an unexplained, new onset constipation, refractory to medical therapy; 
16. For evaluation of an anorectal polyp (adenomatous polyp only); or, 
17. For palliative treatment of stenosing, bleeding neoplasms (e.g., laser, electrocoagulation, stenting). 
 
Endoscopy is generally not covered for treating the indications below. Additional documentation should be 
submitted indicating the medical necessity of the procedure for review. 
 Chronic, stable, irritable bowel syndrome (IBS), or chronic abdominal pain. There are unusual 
exceptions in which colonoscopy may be done to rule out organic disease, especially if symptoms are 
unresponsive to therapy; 
 Acute diarrhea; 
 Hemorrhoids; 
 Metastatic adenocarcinoma of unknown primary site in the absence of colonic symptoms, when it will 
not influence management; 
 Routine follow-up of IBD (except for cancer surveillance in Crohns disease and chronic UC); 
 Routine examination of the colon in patients about to undergo elective abdominal surgery for non-
colonic disease; 
 Upper GI bleeding or melena with a demonstrated upper GI source; or, 
 Bright red rectal bleeding with a convincing anorectal source on sigmoidoscopy and no other symptoms 
suggestive of a more proximal bleeding source. 
 
Colonoscopy/Sigmoidoscopy/Proctosigmoidoscopy are generally not covered for: 
 Fulminant colitis;  Possible perforated viscus; 
 Acute severe diverticulitis; or, 
 Diverticulosis is not usually considered an indication for a diagnostic or therapeutic 
colonoscopy/sigmoidoscopy/proctosigmoidoscopy but may be reported on the claim when this condition is 
found to be the final diagnosis. 
 
You can find this information in the Local Coverage Determination (LCD): Colonoscopy / Sigmoidoscopy / 
Proctosigmoidoscopy (L34454). 
 
If you want to read these Medicare rules, you can go to this website www.medicareappeal.com. 
 
The Plan contract says that the Plan covers items and services in accordance with Medicare rules.