Colorectal Cancer Screenings
What is a colorectal cancer screening? A colorectal cancer screening is a test used to find abnormalities before symptoms begin. These tests can find problems early, which can improve health outcomes.
Who should get screened?
Ages 45 and older: Most people at average risk should start screening at age 45.
Higher risk: If you have a strong family history of colorectal cancer, you may be covered for a colonoscopy at an earlier age. You may also be covered for more frequent repeat screenings if you've had abnormal findings in the past.
The power of prevention
Learn more about why James and Gene got their colorectal cancer screenings and how the power of prevention can help make sure you are around for more of life’s important moments.
COLORECTAL CANCER AFTER AGE 45+
James’ story
Watch the video to learn about the importance of colorectal cancer screening after the age of 45.
COLORECTAL CANCER AFTER AGE 65+
Gene's story
Watch the video to learn about the importance of colorectal cancer screenings after the age of 65.
About colorectal cancer screenings
Types
Colonoscopy: A gastroenterologist (GI provider) uses a small camera to examine your entire colon. This test is usually done every 10 years starting at age 45. The test includes a consultation prior to your screening and preparation, and gentle sedation is often used.
FIT (fecal immunochemical test): An annual occult blood test (FIT) test is simple. You will collect a small stool sample at home and send it to a lab for testing. These tests can be an alternative to a colonoscopy, assuming you don't have other risk factors.
At-home screening options: At-home screening options have made colorectal cancer screenings much simpler. However, they're not appropriate for everyone. Talk to your provider to determine if this test is recommended for you. Depending on your family history and risk factors, they might recommend one over another.
Other tests: There are also stool DNA tests and other methods. Ask your provider which test is best for you.
Preparing for your test
Colonoscopies include over the counter, pre-colonoscopy laxatives, also called “cleansing preparations”. Your plan coverage is limited to 2 preparations every 365 days, and they require a written prescription from your provider.
Anesthesia
Full anesthesia isn't always covered as part of your colonoscopy. Your provider will determine what level of anesthesia is right for you to ensure you're as comfortable as possible. A request for "extra" or full anesthesia won't necessarily be covered, and you'll be responsible for this expense.
Establish care with a primary care provider
A primary care provider (PCP) who knows you well is vital to staying healthy. PCPs know your health history and can guide you on your healthcare journey.
You get the lowest cost shares for your care when you see your assigned primary care provider. View or change your assigned primary care provider (PCP) by logging in to your account or by calling customer service.
FAQ: Colorectal cancer screening
Are there accurate and cost-effective at-home colorectal cancer screening tests?
Yes. FIT and FOBT tests are accurate and cost-effective at-home screening options. The fecal occult blood test (FOBT) and fecal immunochemical test (FIT) are both recommended by the U.S. Preventive Services Task Force for at-home colorectal cancer screenings. Although these tests are recommended annually, the total cost of annual FIT/FOBT tests remains less expensive (about $30.00 which is typically fully covered when prescribed as part of a preventive screening) than a single Cologuard test every 3 years. We encourage you to discuss this option with your provider.
Is Cologuard more accurate than a traditional FIT Kit?
No. Cologuard includes a patented DNA test unique on the market. However, Cologuard often leads to false positive results that aren’t explained by subsequent colonoscopy findings. False positives that aren’t explained by colonoscopy findings may generate unnecessary ongoing monitoring or anxiety for patients. The Cologuard test is also a more expensive test because of the DNA testing. Premera covers most of the cost for the Cologuard test, however, Exact Sciences Laboratories, the only company that offers the Cologuard test, will send you a bill for about $200, depending on your health plan.
What do the results mean?
- Normal results: No problems were discovered.
- Abnormal or positive results: Positive results might show polyps, blood, or inflammation. Your doctor may suggest more tests, if needed.
How much will it cost?
- Your initial screening colonoscopy is covered in full on many plans, even if polyps are found (whether benign or cancerous).
- Follow-up colonoscopies for those who have had a cancerous polyp are not considered screening and are subject to a copay and your deductible.
Note: This procedure can cost more than $2,000. Be sure you know the date of your last screening before you schedule your follow up screening. If you're unsure of when your last screening was done, contact your provider's office. To check your coverage, contact us.
Please discuss all tests and screenings with your provider, as you may be required to pay a share of these costs. Also, verify that your provider's lab of choice and endoscopy center is in network to avoid additional costs.