Is anyone else fed up with this preventative care bulls**t?

My insurance company covers an annual mammogram 100%, but if I need a mammogram, because I found a lump or have a pain, it is not covered.

I just found out that the colonoscopy I need will not be covered 100%, because I am under 50, so it is determined to be diagnostic. If it was a regular old preventative care colonoscopy it’s covered, but if I am high risk it’s not? The reason I do the procedure is to prevent cancer since I am in a high risk group.

Isn’t it most important to diagnose people who are most likely to have a cancer to get them early or prevent a cancer altogether.

This just pisses me off. If we are going to argue that preventative care saves money in the long run, how can you not cover these things? Plus, if you are sick that is when you need your health insurance most.

And, it was explained to me that I will be responsible for 20% of the allowable amount, but they are not able to tell me the allowable amount until after the claim has been submitted. How is that right?