How Much Is A Colonoscopy Without Insurance?

Want to get a colonoscopy but dont have insurance? Read on to find out how much it will cost you.

Colonoscopy is the most precise test for malignant growth in the colon and rectum. It is carried out to identify the presence of any cancerous cells as early as possible and spare lives. Moreover, it is the only Food and Drug Administration (FDA) approved stool-DNA screening test for finding out whether the patient has colon cancer or not. Cologuard searches for changes in your DNA that could show the presence of any malignant growth or precancerous polyps that may be available in your colon or large intestine.

Doctors and other specialists advise a colonoscopy method when they have to observe the inside of a patient’s large intestine. The test utilizes a colonoscope (which is an adaptable and flexible tube like structure) to discover indications of swelling, ulcers, polyps or tumors. Doctors likewise can excise any abnormal growth, take tests of the tissue to biopsy and check for different indications of illness.

Cologuard is gradually becoming more and more common and immensely popular in the healthcare field because it is not at all obtrusive. Instead, it is far more advantageous as compared to the conventional colonoscopy test. There are positively a few advantages to the Cologuard test for disease screening, yet there are downsides, as well, including some questions and concerns regarding its precision and efficiency.

Before patients go through the entire process of a colonoscopy, doctors give them all the important data about planning for the test. Although finding out about what’s in store during a colonoscopy methodology is a typical aspect of the discussion among doctors and patients, patients do not often hear a lot about what’s in store regarding the costs for a colonoscopy before the procedure is performed.

So, the question then arises, how much does a colonoscopy cost? Moreover, you also need to keep in mind how much a colonoscopy costs without insurance. This is especially important for you to know if your medical bills are not covered for. If you want to find out the uninsured costs of a colonoscopy procedure, then you have come to the right place. We have gathered all relevant information for you. Read on to learn more about the expenses that may arise if you get colonoscopy. So, what are you waiting for? Without much further ado, let us head straight into it!

Is it really necessary to have a colonoscopy?

Colonoscopy is the most accurate and precise test to find out any malignant growth of the colon and rectum, demonstrated to observe cancer early and save lives. However, even a generally excellent test should be conducted time after time. A colonoscopy is an obtrusive methodology and has its own risks. Along these lines, it’s critical to take the test just in case you’re probably going to benefit from it.

One of the most common reasons for death globally is bowel cancer. Current proof proposes that colonoscopy fundamentally lessens the danger of bowel malignancies. This is where colonoscopy’s most noteworthy advantage lies. Colonoscopy can likewise be utilized to find out if the patent has any inflammatory bowel  infections.

Bowel cancer begins as small malignant protrusions in the gut called polyps. These polyps can be observed via a colonoscopy and excised by doctors during the procedure. Along these lines, colonoscopy is more advantageous when done in individuals at a greater risk of bowel cancer. The most significant danger factor is age, as malignancy rates increase in individuals who are either 50 years old or more. However, some more younger individuals can also be in danger because of family history. Furthermore, the latest information and research proposes that bowel cancer in youngsters is rising globally.

Your primary care physician may prescribe a colonoscopy to discover what’s causing side effects, for example, changes in bowel action, stomach aches, rectal bleeding or unexplained weight reduction. The test is similarly significant as a screening device on the off chance that you have no symptoms by any stretch of the imagination. A doctor will typically suggest a colonoscopy if patients are at a high risk of bowel disease because of family history, if their “poo test” is positive for blood, or in the event that they have concerning signs and symptoms, for example, excessive bleeding. Therefore, it is necessary for you to have a colonoscopy if your family has a history of bowel cancer, or you are older than 50.

On the off chance that you have a family background of polyps or colon cancer, you have to begin your colonoscopy screenings at a comparatively younger age. Since early colorectal disease regularly has no indications, screening is the best method to eliminate polyps to forestall colon cancer before it actually begins. Colonoscopy likewise identifies early colorectal malignancy. You must always remember that early identification is the way to enduring this kind of cancer.

Furthermore, if you have a typical screening and you have no family or individual history of polyps or colorectal malignancy, most specialists suggest that you sit tight and wait for 10 years before getting your next colonoscopy. In the event that you have an ordinary screening with a concerning family history or individual danger factors, doctors prompt another screening in five years. In the event that your colonoscopy uncovers cancer, your primary care physician will refer you to a cancer specialist for additional treatment.

Can I get a colonoscopy without insurance?

Medicare and majority of the other coverage plans help in covering the expense of routine colonoscopies, yet on the off chance that you don’t have any health insurance, you can still get a colorectal malignant growth screening.

Independent centers that carry out various medical procedures can spare you a great deal of cash for your clinical needs, particularly when contrasted with medical clinic valuing. Since emergency clinics have the ability to haggle with insurance agencies to get more cash for such tests and screenings, your cash based costs will unquestionably be higher if your technique is performed at an emergency clinic possessed office. Studies have demonstrated that costs at free medical procedure habitats are commonly 40% lower than hospitals and hospital associated medical procedure centers for similar tests.

Besides, on the off chance that you don’t have medical coverage, you can’t use the free preventive consideration arrangements. Regardless of whether you have insurance or not, since you have symptoms, your colonoscopy would be viewed as a diagnostic process as opposed to a standard screening, and that wouldn’t by and large qualify as a preventive assistance under the law.

The government Centers for Disease Control and Prevention runs a program that offers free colonoscopies in 25 states and four rural regions, in spite of the fact that rules for qualification can differ by state. There may likewise be local programs in your general vicinity that provide free colonoscopies. If you want to get more information, you should call the American Cancer Society National Cancer Information Center, or check with your state wellbeing office

On the off chance that you are uninsured, the ColonoscopyAssist program offers colonoscopy throughout the country at a financed rate of $1075. ColonoscopyAssist offers the screening at specific medical care centers across the country. As of now, colonoscopies are accessible at the fixed rate of $1075 in more than 70 metropolitan cities in 33 states. The $1075 level rate is really a comprehensive amount. It incorporates all costs identified with the screening process. There are no shrouded charges or fine print and there is essentially no circumstance where you could see an extra charge. The cost incorporates:

  • Facility fees including nurse costs
  • Physician fees
  • Removal of polyps
  • Anesthesia costs
  • Pathology cost and lab fees

How much is a cologuard test without insurance?

A cologuard test without insurance costs thousands of dollars (almost $3000 on average). This is quite a huge amount to pay especially if you are uninsured. However, there are still some programs that might help you lower the costs.

ColonoscopyAssist helps the uninsured and self-pay networks by giving select tests and strategies at very limited rates. The program additionally offers different money related help to anybody incapable to bear the cost of the limited rates. With an organization of suppliers in 30 states, the program can give colonoscopy and upper endoscopy techniques to patients in most metropolitan locales of the USA. The program likewise offers cologuard and colon disease screening stool tests through postal mail. Following is a list of the costs covered by ColonoscopyAssist:

  • Colonoscopy: $1075 – $1275
  • Upper Endoscopy / EGD: $975 – $1275
  • Cologuard: $599
  • Fecal Immunochemical Test (FIT): $25
  • Fecal Occult Blood Test (FOBT): $25

How much is a colonoscopy without insurance?

A wide range of variables influence the ultimate expenses of a colonoscopy. These factors include:

  • Your geographical area: Healthcare costs largely depend on the region where you live.
  • The patient’s health: Extremely sick patients commonly have the system in an emergency clinic, which costs more than outpatient offices. High-hazard patients may require extra assets.
  • Where the physician carries out the colonoscopy: Outpatient medical procedure centers regularly charge lower than emergency clinics.
  • Excision of the tissue samples: Whether the doctor removes tissue samples or not also has a huge impact on the cost of a colonoscopy.

The common expenses of colonoscopy systems differ generally, contingent upon an assortment of components. The expense for patients additionally relies upon whether they have medical coverage. Patients without medical coverage commonly pay $2,100 to $3,764. The average colonoscopy cost is $3,081. Hence, patients without medical coverage pay 100% of the expense.

You must not forget that the doctor’s charge is just one aspect of the aggregate sum you may pay for a colonoscopy method. Extra charges related to the total expense of a colonoscopy include:

  • Colon prep kits: Emergency clinics generally give these; a few specialists give them while others teach patients what to purchase.
  • Varying fees for diagnosis: Charges may vary contingent upon whether the colonoscopy is for disease screening, determination of indications, colonoscopy with a biopsy, or a colonoscopy with expulsion of a sore or polyp.
  • Anesthesia: The kind of anesthesia, and whether an anesthesiologist manages it, influences the ultimate expense.
  • Pathology: Cost of looking at irregular tissue eliminated after a colonoscopy.
  • Facility charges: Notwithstanding the doctor’s bill, the medical clinic, medical procedure community, or doctor’s office may charge extra for utilization of the test space.

In addition to this, virtual colonoscopy techniques commonly convey a lower cost than customary colonoscopy strategies. A few clinics, associations and government programs offer ease and free colonoscopy screenings for uninsured or underinsured patients. Contingent upon the patient’s condition, specialists may suggest an adaptable sigmoidoscopy rather than a colonoscopy. This system can be acted in the doctor’s office, ordinarily inside 20 to 30 minutes. It doesn’t need sedation and as a rule costs around $200. Specialists can just view a large portion of the internal organ, so it may not be a decent choice for everybody.

How much does a colonoscopy cost with medicare?

The Affordable Care Act requires Medicare and private back up plans to take care of the expenses of colorectal screenings, which incorporate a colonoscopy. A colonoscopy is a significant wellbeing screening that can help forestall and treat colon diseases through the expulsion of polyps or precancerous developments. Government health care will cover a colonoscopy like clockwork in individuals who are at high danger for colorectal disease and at regular intervals for individuals who are not at high danger. There is no age prerequisite.

Furthermore, colonoscopy costs with Medicare rely upon whether the colonoscopy is being performed for screening or diagnostic purposes. Costs will likewise rely upon whether your primary care physician acknowledges a task with Medicare. This implies they have consented to an arrangement with Medicare that says they’ll acknowledge a Medicare-endorsed sum for administrations.

As indicated by, Medicare will pay for screening colonoscopies once like clockwork if a specialist believes you to be at high danger for colon malignant growth. A specialist may decide you’re at high danger on the off chance that you have a family background of colon malignancy or you have a past filled with colon polyps or provocative inside sickness. In case you’re not at high danger for colon malignant growth, Medicare will pay for a colonoscopy once at regular intervals, or 10 years. In the event that you’ve recently had an adaptable sigmoidoscopy, which doesn’t include seeing the whole colon, Medicare may cover a colonoscopy once at regular intervals, or 4 years.

Federal health insurance may solicit you to pay a bit from the bill if your PCP finds a polyp or takes other tissue tests during a colonoscopy. Around then, Medicare may request that you pay:

  • 20% of the Medicare approved cost for your doctor’s time
  • a copayment if you’re in a hospital setting

Therefore, it’s essential to comprehend what you may pay in the event that you have a polyp or biopsy (tissue test) eliminated during the strategy. Additionally, the expenses are unique if the colonoscopy is for demonstrative purposes. For instance, in case you’re having stomach related issues or indications of dying, a specialist may prescribe a colonoscopy to analyze the basic reason.

How much does a colonoscopy cost with cigna insurance?

As far as the Affordable Care Act (ACA) is concerned, it requires all protection plans, for example, Aetna, Blue Cross Blue Shield, Cigna and United HealthCare to cover screening colonoscopies at no expense to the patient.


Now that you have read this detailed article, you are well aware of the importance of colonoscopy. If you have a family history in colorectal cancer, or if you are more than 50 years old, then it is of paramount importance for you to get regular screenings. However, the ultimate cost of the entire procedure is a major concern especially if you are uninsured. But now that you have read this article, you know that you can get some financial aid through various programs even if you do not have any insurance. So, go and get that screening right now and live a healthy life.

Tony Bennett

Tony Bennett

Tony Benett makes his living in the insurance industry by teaching and consulting. He is also recognized by the legal profession as an expert on insurance coverages. His insurance experience includes having worked at the company level, owned an independent general agency and having worked for an insurance association. He has received various certificates over the past few years and helps his clients and readers by giving them a realistic outlook on what they can expect to achieve within their set targets. At Insurance Noon, he is known for his in-depth analysis and attention to details with accuracy. He has been published as one of the most referred agents by his peers in the insurance community. Tony loves the outdoors and most sport events. His passion other than providing excellent advice is playing golf.