A standard screening colonoscopy in-network should be covered at 100% even if you haven’t met your deductible.
Under the Affordable Care Act (ACA) most major medical plans (including UnitedHealthcare’s) must cover certain preventive services — like colorectal cancer screening — without requiring you to pay a deductible, copay, or coinsurance when performed in-network and at the recommended intervals. This includes routine screening colonoscopies starting at age 45 or 50 (depending on plan language) every 10 years for people at average risk.
