Will My Insurance Cover an IUD or Not?


Without insurance, birth control can be expensive.

With the IUD being one of the most popular forms of contraceptives, people commonly wonder, “Will my insurance cover an IUD?”

What Is an IUD?

IUD or intrauterine device is a small T-shaped device that is implanted into your womb by a doctor or nurse. There are different types of IUDs including copper and hormonal.

Copper IUDs release copper to prevent pregnancy. When inserted correctly, this form of birth control can last up to ten years.

Hormonal IUDs slowly release small amounts of progestin that stops sperm from reaching the egg. Depending on the brand, these types of IUDs can last three to five years.

Are IUDs Safe?

They are considered a safe form of birth control. As with any contraception, there can be side effects. Although rare, it is possible to experience infection, expulsion, and perforation. These are usually avoided if you choose an experienced and knowledgeable doctor.

How Much Does an IUD Cost?

Without insurance, an IUD can cost around $2,000. It should be noted that you could incur additional fees for a pregnancy test (because you can’t get an IUD if you have a positive test), as well as an ultrasound to make sure your IUD has been inserted properly.

Will My Insurance Cover an IUD?

Most insurance plans cover the cost of an IUD because of the Affordable Care Act (ACA). However, there may be a catch. It is possible your insurance will cover only certain brands or only one type of IUD. To avoid being caught off guard by unexpected out-of-pocket costs, you should ask your insurance provider what they do and do not cover.

If I Don’t Have Insurance, Is It Possible to Get Help Paying for an IUD?

If you don’t have private insurance, you might qualify for Medicaid in your state. There may also be other state programs available to help you get discounted birth control, depending on your income and other factors. If you are searching for financial assistance, you can find valuable information online.

Is an IUD Really Worth the Cost?

Every form of birth control has pros and cons. While choosing your form of birth control is an incredibly personal decision, there are important factors to consider with an IUD.

This is a great option if you want birth control that you don’t really have to worry about. Once inserted, it’s done and can stay in place for years. On the flip side, it can be costly without insurance. If you’re planning to become pregnant within a year, it might not be worth it for you.

IUDs make periods lighter, and in some cases nonexistent. Many women find that convenient while others prefer to have control over their cycle. This is something that can be done with some brands of birth control pills.

If you’re unsure which birth control is right for you, the smartest thing you can do is speak to your gynecologist. They can educate you on all types and help you make a decision that fits with your personal preferences and lifestyle.

Trust the Experts at Annandale OB/GYN to Help You Choose the Right Birth Control for You!

At Annandale, our health care providers strive to provide you with the highest quality, personalized care in a comfortable, warm environment. We guarantee you’ll be treated with dignity and respect.

Now that you have an answer to your question, “Will my insurance cover an IUD,” we invite you to call us to schedule your appointment so we can help you make a decision that is safe for you. Contact us at 703-642-7522 today!