Most insurances fully cover screening and surveillance colonoscopies. Diagnostic colonoscopies, or endoscopies, usually go towards the patient’s deductible and are not covered by insurance unless that deductible has been met. Medicare will fully cover a screening, or surveillance, colonoscopy as long as nothing is found during the exam. If a polyp is removed, or a specimen is taken for testing, the exam becomes a diagnostic test and the patient is usually required to pay 20% of the cost of the procedure. If you have any questions or concerns about what your insurance will, or won’t, cover, it is always a good idea to contact your insurance provider directly.