Ahh, you are not alone. I have certainly been there. Everyone's situation is unique; however, I made the decision to have my colon removed as an elective surgery (recommended by three physicians treating me, and a fourth from an expert in the field who was a friend's medical school buddy). After thirty years of low-grade, mostly asymptomatic, and barely noticeable colitis, I started having high-risk surveillance screening with twice a year colonoscopy, and eventually for underwater colonoscopies (called EMR, endomucosal resection, a relatively new procedure) to remove carpet lesions after a long period of inflammation. Suffice it to say, these procedures were invasive, time-consuming, and never brought the 'relief' of worrying, plus the samples showed low-grade atypical cells, then high-grade atypical cells, all felt to be the intermediate steps on the pathway to colon cancer.
Being a brave (stupid and neurotic to my friendship circle, and an unsupportive boyfriend at the time--now long gone) soul,
and a sophisticated consumer, I agreed with my care team that having an ileostomy would be preferable to constant screening and then treatment when I eventually got diagnosed with colon cancer. Now I am speaking as a patient, but I am also a physician. I became one partly because I did not much like the doctors who treated me as a 20-something when I first got diagnosed with colitis, but also as an activist and a huge believer in prevention. I had friends ask me if I 'could drink bleach' or just kill myself rather than have a permanent stoma. It really taught me a ton about how people cope, and what projections are imposed on individuals who make personal choices because of one's lived experience.
All I can say to you is this: the individuals that I have met over the years because I have had this surgery have given me a depth and understanding of the human condition that fifty-five years on this planet, and thirty years as a doctor did not provide. I wish you good luck with your insurer and path forward. Life is a journey in coping with adversity and loss. Metabolizing that is a gift,
Be well, Lee Ann (in Santa Barbara)