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How Much Does an IUD Cost With and Without Insurance?

Intrauterine devices (IUDs) are an effective and common form of contraception, and their use continues to increase among women. In addition to their efficacy, IUDs can be used for several years, which also makes them a desirable option for contraception. This article will explore different options for obtaining an IUD with or without insurance.

What is an IUD?

What is an IUD

Intrauterine devices (IUDs) are small, T-shaped devices placed in the uterus to prevent pregnancy. These devices must be inserted and removed by a medical professional, and currently, there are two types of IUDs used within the United States: copper-containing and hormonal-containing. Both devices can prevent pregnancy at similar rates and are more than 99% effective.

Notably, copper IUDs are also effective for emergency contraception. One significant benefit of IUDs is that they can be used long-term. Depending on your chosen device, it may be effective for up to 10 years. These devices can be removed at any time and are reversible forms of contraception.

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What’s the cost of an IUD without insurance?

The cost of an IUD without insurance will vary depending on the IUD you choose. Generally, you may spend up to $1,300 for the device and the insertion procedure. The table below lists the costs of the available devices without insurance.

IUD deviceCost
Kyleena~1,100/device
Liletta~$890/device
Mirena~$1,100/device
Skyla~$915/device
Paragard (Copper IUD)~$1,085/device

Although the initial cost of an IUD can be high, it can be a cost-effective option over time compared to oral contraceptives that require refills.

How much is an IUD with insurance?

Due to the Affordable Care Act, most insurance companies cover the cost of contraceptives, including IUDs, without charging copayments or coinsurance. If you have met your deductible and utilize a preferred provider, you will likely not have to pay any money out of pocket for the device or the insertion procedure. You may still be responsible for covering other costs, such as your initial consultation and necessary follow-up visits. The devices covered can vary based on the type of insurance you have.

IUD coverage with private insurance

Many private insurance plans will cover the copper IUD and at least one hormonal IUD. You can review your plan's formulary to see which brand of hormonal IUDs they cover. It should be noted that insurers are not allowed to restrict access to any one category of devices.

For most contraceptive agents, insurance companies will cover generic contraceptives and charge a copay or coinsurance for the use of brand-name medications. IUDs do not currently have generic equivalents available and must be provided to beneficiaries without cost-sharing.

IUD coverage with Medicaid

Medicaid will also cover the costs of IUDs without cost-sharing. However, you should know that the coverage varies between states. Like private insurance plans, each Medicaid program will determine which type of device will be covered.

Employer-provided coverage

Some organizations are not required to cover the cost of contraceptive methods or services. For instance, if you work for a religious employer such as a church, you may be responsible for the cost of your IUD.

What if my insurance plan won’t pay for my medication?

If you are denied coverage by your insurance plan, you can try to convince your insurance company to pay for your medication through various alternative methods. You can also seek assistance from the manufacturer in certain instances as well. Depending on your income, you may be able to receive reproductive services from health clinics within your community at a reduced cost. Read below for more information.

Appeals process

It’s possible that the IUD prescribed to you may not be listed as preferred on your insurance plan’s drug list (formulary). For instance, you may require a copper IUD due to health conditions. If your insurance plan refuses to cover the cost of your device, you have the right to file an appeal to have your claim reviewed in further detail. Review your insurance policy for more information about your plan’s appeal process. You may have to submit a letter with supporting documentation to your insurer explaining why you require a particular device.

Title X Family Planning Program

The Title X Family Planning Program allows clinics across the United States to offer reproductive services at minimal to no cost. The program particularly supports individuals who live in underserved areas and provides individuals with access to all FDA-approved contraceptive products regardless of their ability to pay.

Patient assistance programs

You may also qualify for the patient assistance programs offered by the IUD manufacturers. Bayer, who manufactures Kyleena, Mirena, and Skyla IUDs, offers a patient assistance program that provides the IUD at no cost to patients who meet specific criteria.

The use of IUDs continues to increase, and studies have shown that most women choose IUDs as the preferred method for the prevention of pregnancy. IUDs are a highly effective form of contraception, and they offer many advantages over some other forms of available contraceptives, especially for long-term use.

If you have insurance, you may be able to get an IUD with little to no out-of-pocket expense. Even without insurance, patient assistance programs and other options can help make getting an IUD more affordable. Discuss your goals for contraception and your current coverage with your healthcare provider to determine the most cost-effective solution to meet your needs.

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