ACA Health Insurance and Colonoscopies: What You Need to Know

Many people believe that colonoscopies are only necessary for individuals over the age of 50. However, if you are experiencing symptoms such as gas, bloating, cramps, or chronic constipation, it may be worth considering getting a screening colonoscopy, even if you are under the age of 50.

ACA Coverage for Colonoscopies

The Affordable Care Act (ACA) requires private health insurance plans to cover preventive services, including colonoscopies. This means that if you have a private health insurance plan, you should not have to pay anything out-of-pocket for a colonoscopy that is deemed preventive.

Age Requirements for Colonoscopies

The ACA does not specify a minimum age requirement for colonoscopies. However, the American Cancer Society recommends that adults at average risk for colon cancer start getting screened at age 50. If you have a family history of colon cancer or other risk factors, your doctor may recommend that you start getting screened sooner.

Diagnostic vs. Preventive Colonoscopies

If you are experiencing symptoms such as gas, bloating, cramps, or chronic constipation, your doctor may order a diagnostic colonoscopy. Diagnostic colonoscopies are used to diagnose medical conditions, such as colon cancer or inflammatory bowel disease. Preventive colonoscopies, on the other hand, are used to screen for colon cancer in people who do not have any symptoms.

How to Get a Colonoscopy

If you are considering getting a colonoscopy, the first step is to talk to your doctor. Your doctor will ask you about your symptoms and family history and will determine whether a colonoscopy is right for you. If a colonoscopy is deemed necessary, your doctor will refer you to a specialist who can perform the procedure.

What to Expect During a Colonoscopy

A colonoscopy is a procedure in which a doctor inserts a long, thin tube with a camera on the end into your rectum. The camera allows the doctor to see the inside of your colon and look for any abnormalities. The procedure takes about 30 minutes and is usually done under sedation.

Risks of a Colonoscopy

Colonoscopies are generally safe procedures, but there are some potential risks, such as bleeding, infection, and perforation of the colon. However, these risks are rare.

If you are thinking about getting a colonoscopy, it is important to talk to your doctor about the procedure and the risks and benefits involved. If you have any questions about ACA coverage for colonoscopies, you can call your health insurance provider.