Do you have specific risk factors that caused your doctor to recommend getting it at 40, or did you have to convince them? My understanding is that if the doctor doesn't order it, many insurance companies won't cover it.
I had bleeding, light red, most likely from hemorrhoids (it was), but had a few other factors that the doctor took it seriously. The insurance didn't cover much as far as I know (or any?). Owed like $1800.