Why health insurance shouldn’t stand between you and colon cancer screening

Many adults who are recommended to get colorectal cancer screening delay or skip testing because they worry it will be expensive or not covered by their health insurance. Health experts say that concern is common—but often incorrect.

The U.S. Preventive Services Task Force recommends colorectal cancer screening for adults ages 45 to 75 at average risk. Screenings that receive an "A" or "B" rating from the task force are considered preventive care and are generally covered by health insurance plans when provided by an in‑network clinician.

"People sometimes assume screening will come with a big bill, and that assumption alone can stop them from taking action," said Alyssa Hodnik, MHA, director of clinical initiatives at Medica. "For most adults who are due, recommended screening tests are covered and skipping them can lead to much higher costs later."

Colorectal cancer often develops without symptoms in its early stages. Screening can find cancer early, when treatment is more effective, or detect precancerous polyps that can be removed before cancer develops.

Treating colorectal cancer after it has advanced is significantly more complex and costly than preventive screening, according to national cancer data.

Other reasons people delay screening

Cost concerns are only one reason people put off colorectal cancer screening. Public health officials cite several common barriers.

Some people believe they do not need screening because they feel healthy. But colorectal cancer often does not cause symptoms until it is more advanced. Others may worry about the test itself. Health experts note that multiple screening options are available, including tests that can be completed at home. A colonoscopy is typically needed only if a stool‑based test produces an abnormal result.

Uncertainty about insurance coverage also plays a role. Understanding the difference between preventive and diagnostic care, and using in‑network providers, can help reduce the risk of unexpected medical bills.

"One of the biggest misconceptions is that screening automatically means an invasive or costly procedure," Hodnik said. "In reality, people have choices, and preventive benefits are designed to make screening accessible."

Early detection is critical

According to the American Cancer Society, colorectal cancer is the second leading cause of cancer death in the United States when men and women are combined. It is also one of the most preventable cancers.

Studies show that colorectal cancer screening significantly reduces the risk of dying from the disease, particularly when cancer is found early or prevented altogether.

Health officials are also raising concern about a sharp increase in colorectal cancer diagnoses among younger adults.

According to the American Cancer Society, colorectal cancer rates are rising among adults under 50, even as rates continue to decline among older adults. The society's latest national report shows cases among adults ages 20 to 49 are increasing by about 3% per year, while deaths from the disease in this age group have also risen.

Health experts say younger adults are more likely to be diagnosed at a later stage, when the disease is harder and more costly to treat. National data show that about three in four people under 50 are diagnosed after the cancer has already advanced beyond the earliest stage.

For people who are eligible, health experts say screening is not only a medical recommendation but a practical step that can protect long‑term health and reduce future medical costs.

March is Colorectal Cancer Awareness Month, a national observance dedicated to raising public understanding of colorectal cancer and emphasizing the importance of regular screening. During this time, individuals are encouraged to discuss screening options with their health care providers and to address common misconceptions about costs and insurance coverage, helping to dispel myths and promote informed decision-making.

The first step is to have a conversation with your health care provider about which screening option is appropriate.

About Medica

Medica (www.medica.com) is a mission-driven, member-focused non-profit health plan headquartered in Minnesota. The company serves communities in the heart of America by providing health care coverage and related services in the employer, individual, Medicaid and Medicare markets. It operates in Minnesota, Iowa, Missouri, Nebraska, North Dakota, Oklahoma, South Dakota, and Wisconsin.

Medica's mission to better your life with care in the moments that matter is a testament to member-focused commitment to high quality, affordable health care.