Cost of IUD with Insurance

When it comes to birth control, the intrauterine device (IUD) is one of the most effective and long-term options available. However, many people hesitate to choose it because of concerns about cost. The good news is that insurance often covers the cost of IUDs, making them an affordable option for many individuals.

How Much Does an IUD Cost Without Insurance?

Without insurance, the cost of an IUD can range from $500 to $1,300. This includes the device itself, insertion procedure, and sometimes follow-up appointments. The exact price depends on the type of IUD (hormonal or copper), the healthcare provider, and geographic location.

How Insurance Affects IUD Costs

Most health insurance plans cover FDA-approved contraceptives, including IUDs, at little to no out-of-pocket cost. Under the Affordable Care Act, many plans are required to cover contraceptives fully. This means:

• Zero cost for the IUD device

• No copay for insertion

• Follow-up appointments may also be covered

However, coverage details can vary, so it’s essential to confirm with your insurance provider before scheduling.

Types of IUDs and Insurance Coverage

There are two main categories of IUDs:

1. Hormonal IUDs (e.g., Mirena, Kyleena, Liletta, Skyla) – Typically last between 3–7 years and may reduce or eliminate menstrual bleeding.

2. Copper IUD (Paragard) – Hormone-free and effective for up to 10 years.

Both types are generally covered by insurance, though your plan may specify which brands are included.

Additional Costs to Consider

Even with insurance, there may be:

• Consultation fees (sometimes billed separately)

• Ultrasound if required for placement confirmation

• Removal costs (though often covered by insurance as well)

Key Points

• Without insurance, an IUD can cost $500–$1,300.

• With insurance, most people pay little or nothing out of pocket.

• The ACA requires many insurance plans to cover FDA-approved contraceptives, including IUDs.

• Always confirm coverage details with your provider to avoid unexpected expenses.

FAQ

Does every insurance plan cover IUDs?
Most plans do, but some may have restrictions on specific brands or require prior authorization.

Can I get an IUD for free with insurance?
Yes, in many cases the device, insertion, and follow-up are fully covered.

What if I don’t have insurance?
You may qualify for financial assistance through clinics, Planned Parenthood, or manufacturer programs.

Does Medicaid cover IUDs?
Yes, Medicaid generally covers all FDA-approved contraceptives, including IUDs.