I have actually been trying to get an out of pocket estimate for a colonoscopy. I have insurance and it seems neither the doctor's office, the hospital, or my insurance company can tell me what it will cost out of pocket. i've even spoken to a financial counselor at the hospital chain, I never knew they had such a thing. Everyone seems to agree that a person should know what a procedure should cost them out of pocket, but none can tell you. They can tell me the percentages but not the dollar or the discounted dollar amount, they do all offer payment plans.