IUD Cost with Insurance: Everything You Need to Know

One of the most effective and popular forms of birth control is the intrauterine device (IUD). It is a small, T-shaped device that is inserted into the uterus to prevent pregnancy for up to 5-12 years, depending on the type of IUD. While the effectiveness and convenience of an IUD are undeniable, many women are concerned about the cost. In this article, we will discuss the cost of IUD with insurance and provide valuable information on how to get an IUD for a reasonable price.

What is an IUD?

An intrauterine device (IUD) is a small, flexible device inserted into the uterus to prevent pregnancy. It is one of the most effective forms of birth control, with a failure rate of less than 1%. There are two types of IUDs: hormonal and copper. Hormonal IUDs release a small amount of progestin, while copper IUDs are made of copper and plastic.

How Does an IUD Prevent Pregnancy?

Both types of IUDs prevent pregnancy by creating a hostile environment for sperm. The copper IUD changes the pH of the uterus, making it difficult for sperm to reach the egg. Hormonal IUDs thicken the cervical mucus, which makes it more difficult for sperm to move through the cervix and into the uterus.

What Are the Benefits of an IUD?

IUDs are one of the most effective forms of birth control, with a failure rate of less than 1%. They are long-acting and do not require daily attention, making them a convenient option for busy women. IUDs do not interfere with sexual intercourse, and they can be removed at any time if a woman decides she wants to get pregnant.

How Much Does an IUD Cost with Insurance?

The cost of an IUD with insurance varies depending on the type of insurance plan and the specific IUD chosen. Women with insurance can expect to pay anywhere from $0 to $500 for an IUD insertion. Some insurance plans cover the entire cost of the IUD, while others require a copay or deductible.

How Can I Find Out if My Insurance Covers an IUD?

The best way to find out if your insurance covers an IUD is to call your insurance company directly. You can find the phone number on the back of your insurance card. Be sure to ask about the specific IUD you are interested in getting and any associated costs, including copays and deductibles.

What If My Insurance Doesn’t Cover an IUD?

If your insurance doesn’t cover an IUD or only covers a portion of the cost, there are still options available to make an IUD affordable. Many clinics offer sliding scale fees based on income, and some clinics offer payment plans. Women can also explore resources such as the National Family Planning and Reproductive Health Association, which partners with clinics to provide affordable reproductive healthcare.

Table: Cost of IUD with Insurance

Type of IUD
Cost with Insurance
Mirena Hormonal IUD
$0-$500
Liletta Hormonal IUD
$0-$500
Kyleena Hormonal IUD
$0-$500
Paragard Copper IUD
$0-$500

FAQ: IUD Cost with Insurance

1. Is an IUD covered by insurance?

Most insurance plans cover the cost of an IUD, but the extent of coverage may vary depending on the specific plan. It is important to contact your insurance provider to find out about your coverage.

2. How much does an IUD cost with insurance?

The cost of an IUD with insurance can range from $0 to $500, depending on the type of IUD and the specific insurance plan.

3. Can I get an IUD if I don’t have insurance?

Yes, many clinics offer sliding scale fees based on income or payment plans to make IUDs affordable for women without insurance.

4. Are there any additional costs associated with getting an IUD?

In addition to the cost of the IUD itself, there may be added costs such as the cost of the doctor’s visit, lab tests, and follow-up appointments.

5. How long does an IUD last?

IUDs can last anywhere from 5-12 years, depending on the type of IUD chosen.

Conclusion

An IUD is an effective and convenient form of birth control, but the cost can be a concern for many women. By contacting your insurance company and exploring resources such as sliding scale fees and payment plans, an IUD can be affordable for almost any budget. Remember, the upfront cost of an IUD is often outweighed by the long-term cost savings and convenience of this highly effective form of birth control.