If you are considering an intrauterine device (IUD) for birth control, one of your main concerns might be its cost. Although IUDs are highly effective — preventing pregnancy over 99% of the time — they can be expensive without proper insurance coverage. Prices can range from several hundred to several thousand dollars, but for many with insurance, the device might be available at no cost. There are also support programs that help lower the expense.

How Much Does an IUD Cost With Insurance?

The Affordable Care Act (ACA) requires most insurance plans to cover FDA-approved contraceptive methods, including IUDs, without charging patients. This means that for many insured individuals, the cost of the IUD itself, as well as its insertion and removal, is completely covered — no copayments or deductibles required.

According to research, in 2016, around 64% of privately insured patients paid nothing out-of-pocket for their IUDs. However, it’s important to note that there are some exceptions:

  • Some insurance plans may only fully cover certain brands of hormonal IUDs. If a doctor determines a different type is medically necessary, it should still be covered.
  • Occasionally, patients may encounter charges for removal procedures, depending on their insurance policy’s terms.
  • How providers bill appointments can also impact any additional fees.

For most individuals, the overall cost for an IUD, even if some fees apply, will be under $200 — and for many, it will be free. Experts recommend checking specific insurance benefits ahead of time to avoid unexpected expenses.

IUD Expenses Without Insurance

Without health insurance, obtaining an IUD can be considerably more costly. Typical expenses include:

  • Screening for sexually transmitted infections (STIs): $25–$200
  • Pregnancy test before insertion: under $20
  • Cost of the IUD itself: $400–$1,000
  • Insertion and removal fees: $125–$400 (often combined)

Some studies break down costs even further based on IUD type:

  • Copper IUD (effective for up to 10 years): often exceeds $1,000
  • Hormonal IUD (effective for around 5 years): usually between $100 and $1,000

Additional procedures like ultrasound checks to confirm placement can add another $100–$500. Compared to other contraceptive methods like birth control pills — which can range from free to around $390 annually — an IUD can seem like a large upfront investment without insurance coverage.

Financial Assistance for IUD Costs

For those facing financial challenges, there are resources available to help make IUDs more affordable. The Title X Family Planning Program offers reproductive healthcare to individuals based on income, often on a sliding scale or even at no cost.

Clinics participating in Title X include:

  • University-affiliated medical centers
  • Federally Qualified Health Centers (FQHCs)
  • Many Planned Parenthood locations

You can locate a Title X clinic near you through the Office of Population Affairs website. Additionally, individuals without insurance may qualify for discounted plans through the ACA Marketplace, potentially making contraception more accessible.

Final Thoughts

Cost is an important factor when deciding whether to get an IUD. For those with insurance, IUDs are usually free, including both the device and related services. If insurance is not available, programs like Title X can significantly reduce the financial burden. Always consult with a healthcare provider to discuss whether an IUD is the best option based on your needs and circumstances.