Mine are covered annually because I had dysplasia in my colon and have chronic inflammation in my pouch. Annual scopes are both indicated and covered by most insurance if you fall into either of those 2 risk categories. If you never had dysplasia or chronic inflammation it probably will not be covered nor should it be covered on an annual basis. It's also irrelevant if you are over 50, if you fall into one of those risk groups. I had them covered since age 29 for those reasons. You are either deemed in the risk groups or not, if not then it is NOT deemed preventative.