It sounds like an issue with deductibles.
Insurance pays for diagnostic tests... but everything else gets hit by the deductible. I'd call the insurance company, and argue that the colonoscopy was also a diagnostic test as it wasn't being used for curative purposes (although they frequently snag small polyps with a colonoscopy).
Do Hemorrhoids impact that test?
$1300 isn't bad. That is less than I'm not paying for insurance.
