Is IUD Covered by Insurance? Everything You Need to Know

An intrauterine device (IUD) is a highly effective form of birth control that is inserted into the uterus. It is a long-acting reversible contraception (LARC) method that can prevent pregnancy for up to 3-10 years depending on the type of IUD used.

If you are considering getting an IUD, you may be wondering whether it is covered by insurance. In this article, we will discuss everything you need to know about IUDs and insurance coverage.

What is an IUD?

An IUD is a small, T-shaped device that is inserted into the uterus to prevent pregnancy. There are two types of IUDs:

• Hormonal IUDs – contains progestin
• Copper IUDs – does not contain hormones

IUDs work by thickening cervical mucus, which blocks sperm from reaching the egg. Hormonal IUDs also thin the lining of the uterus, making it harder for a fertilized egg to implant.

How Effective are IUDs?

IUDs are one of the most effective forms of birth control available. The failure rate for IUDs is less than 1%. This means that fewer than 1 in 100 women who use an IUD will get pregnant in the first year of use.

Is an IUD Covered by Insurance?

The short answer is yes, IUDs are typically covered by insurance. Under the Affordable Care Act (ACA), all FDA-approved contraceptive methods, including IUDs, must be covered by insurance without cost-sharing.

However, the level of coverage can vary depending on your insurance plan. Some insurance plans may cover the full cost of the device and insertion, while others may require a copay or deductible.

What Types of Insurance Cover IUDs?

IUDs are typically covered by most private health insurance plans, as well as Medicaid and Medicare.

If you have private insurance, it is important to check your plan documents to see what your coverage is for IUDs. You can also call your insurance provider to ask about your coverage.

If you have Medicaid or Medicare, IUDs are covered as part of your benefits package. However, coverage may vary depending on your state and plan.

What If I Don’t Have Insurance?

If you don’t have insurance, the cost of an IUD can vary depending on the type of IUD you want and where you live. Without insurance, the cost can range from $500 to $1,300 for the device and insertion.

However, there are programs available that can help cover the cost of IUDs for individuals who qualify. For example, the Title X Family Planning Program provides affordable reproductive health care services, including birth control and IUDs, to low-income individuals.

FAQs

1. Are IUDs Safe?

Yes, IUDs are considered safe for most women. However, as with any medical procedure, there are risks involved. Risks may include infection, expulsion of the device, and perforation of the uterus.

2. How Long Do IUDs Last?

IUDs can last for 3-10 years depending on the type of IUD used. Hormonal IUDs typically last for 3-5 years, while copper IUDs can last for up to 10 years.

3. Are IUDs Reversible?

Yes, IUDs are reversible. If you decide you want to get pregnant, your healthcare provider can remove the device at any time.

4. Can I Get Pregnant While Using an IUD?

It is rare, but it is possible to get pregnant while using an IUD. If you think you may be pregnant while using an IUD, you should contact your healthcare provider immediately.

5. Will an IUD Affect My Period?

Yes, IUDs can affect your period. Hormonal IUDs may make your periods lighter or stop them altogether. Copper IUDs may make your periods heavier and longer.

Conclusion

IUDs are a highly effective form of birth control that are covered by most insurance plans, including Medicaid and Medicare. If you don’t have insurance, there are programs available that can help cover the cost of an IUD. If you are considering getting an IUD, talk to your healthcare provider to see if it is right for you.