You're not really wrong, but you're using the wrong terms which is extremely confusing. https://www.cancer.org/cancer/colon-rectal-cancer/detection-diagnosis-s

You're not really wrong, but you're using the wrong terms which is extremely confusing. https://www.cancer.org/cancer/colon-rectal-cancer/detection-diagnosis-staging/screening-coverage-laws.html https://www.cancer.org/cancer/colon-rectal-cancer/detection-... For asymptomatic people without abnormal stool, colon cancer tests are called "screening," never "diagnostic." "Screening" is covered without cost sharing. Colonoscopy, fecal tests, etc. >But if you have a screening test other than colonoscopy and the result is positive (abnormal), you will need to have a colonoscopy. Some insurers consider this to be a diagnostic (not screening) colonoscopy, so you may have to pay the usual deductible and co-pay.