Insurance denies claim for sigmoidoscopy because I’m not 50?

I recently had a flexible sigmoidoscopy because of sustained bleeding from my ass for over a month

Insurance is totally denying the claim (which is almost $4k) because they say they only cover sigmoidoscopy as “preventative” for people over 50, and not as “diagnostic” for anyone of any age (and in my case it was diagnostic).

Are they allowed to do this? I’ve read my certificate of coverage and the only times it mentions sigmoidoscopy is positively stating they will cover it for certain groups for cancer screening (people over 50, other high-risk groups) without stating that they *won’t* cover it in other circumstances

What’s my next move? Am I SOL?

Thanks!

submitted by /u/javiermarias
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I recently had a flexible sigmoidoscopy because of sustained bleeding from my ass for over a month Insurance is totally denying the claim (which is almost $4k) because they say they only cover sigmoidoscopy as “preventative” for people over 50, and not as “diagnostic” for anyone of any age (and in my case it was diagnostic). Are they allowed to do this? I’ve read my certificate of coverage and the only times it mentions sigmoidoscopy is positively stating they will cover it for certain groups for cancer screening (people over 50, other high-risk groups) without stating that they *won’t* cover it in other circumstances What’s my next move? Am I SOL? Thanks!
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