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From your own link that seems to be only for marketplace plans and maybe select private ones, only applies for scopes done for colorectal cancer screenings specifically (not for any other conditions or risks), and even then only for adults 45 to 75.

So I would say your statement is extremely disingenuous to say the least.

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It generally applies to all commercial medical insurance plans regulated under that Affordable Care Act. Most clinical care guidelines only justify colonoscopies for patients within that age range unless they have unusual risk factors; outside that range the risks and costs outweigh the benefits. Colorectal cancer is very rare before age 45. The procedure itself carries a small risk of bowel perforation, as well as side effects from sedation.

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