Dog,
If you are on a 2 year scope plan, it's likely you have not had dyplasia, cancer or pouchitis of a chronic nature, otherwise you would (or should) be on an annual plan. I have health insurance and my copay on my scopes is $500. In my case, I have to do it annually and I have to pay. The alternative is to have a cancer develop and not get treated until it's too late to do anything about it. Which would not be a prudent approach.
For those who have no history of dysplasia, cancer, or long-term pouchitis, it's much less of a risk. But it is still a personal decision if one wants to roll the dice with one's own health. As Clint Eastwood once said, "do you feel lucky?"
http://www.youtube.com/watch?v=u0-oinyjsk0