[jghn]

The main issue with those tests is they have a relatively high false positive rate. If you pop on that one you need to follow up with a colonoscopy to confirm.

The big issue has been that in the US, the followup colonoscopy was often no longer covered by insurance as it was no longer classified as part of the preventative medicine tier, and instead was now a different sort of procedure. My understanding is that this is no longer true though.

[xocnad]

Got burned by exactly this when on a high deductible HSA plan.

[genewitch]

my PCP thinks i am over 50 twice a year and mentions i should get one, and he knows i won't pay for anything, so that means my insurance covers it.

This is anecdote by induction.