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How Much Does an IUD Cost Without Insurance?

IUDs are among the most popular reversible birth control methods or intrauterine devices. They’re highly effective and convenient. But they’re also one of the most expensive forms of contraception available. If you have insurance, obtaining one is often super easy — some health plans even cover the cost entirely. But if you’re paying out of pocket, that’s a different story.

The average cost of an IUD is between $500 and $1,000. But there are ways to get one for less.

How Much Does an IUD Cost Without Insurance?

Insurance companies typically cover the entire cost of birth control, including IUDs and other long-acting reversible contraceptives (LARCs). But if you have high-deductible or no insurance, you could be on the hook for a lot of money upfront. If you’re looking to save money on birth control, here’s what you need to know about getting an IUD without insurance:

What is the average cost of an IUD?

The average cost of an IUD ranges from about $500 to over $1,000, depending on which brand you choose and where you live. For example, Mirena costs about $844 at Planned Parenthood in Chicago but only about $450 at Planned Parenthood in Portland (although only two sizes are available).

The Cost of an IUD at Different Clinics & Locations

The net out-of-pocket cost of receiving an IUD is determined by a number of factors, making it difficult to provide an accurate amount. In addition to the cost of the IUD, your total cost will frequently include a consultation visit and an ultrasound.

Most people with health insurance can gain reimbursement for the IUD (typically the most expensive element of the treatment), and they may just have to pay for the clinic visit and other extra charges. On the other hand, those without health insurance must cover the entire net cost.

The following is a complete list of women’s health clinics in five major US cities and the cost of an IUD implantation for patients without health insurance. In New York, the greatest cost was observed to be $1,500. Meanwhile, the cheapest price was found to be $1170 in San Jose. It is crucial to note that these prices may vary slightly depending on the type of IUD utilized.

Additional Costs of Getting an IUD

ServicesCost without insurance
Ultrasound$100 – $1,000
Pre-insertion STD Testing $29 – $359
Pregnancy Test (over-the-counter)$8 – $15
Pap Smear$39 – $125
IUD Removal Up to $250

Longevity of IUD Options

Type of IUDReplace After
Paragard12 years
Mirena7 years
Liletta7 years
Kyleena5 years
Skyla3 years

Factors that Influence the Cost of an IUD

The cost of an IUD can vary significantly from provider to provider. The type of IUD and the services included in the price will determine how much you’ll pay for the procedure.

While many factors influence the cost of an IUD, here are some of the most important:

  • IUD Type

The type of IUD. There are two types of intrauterine devices (IUDs): hormonal and non-hormonal. Hormonal IUDs have progestin as their hormone, while non-hormonal IUD has copper. A non-hormonal IUD can be used if you are breastfeeding or have had your uterus removed. However, it may not be as effective at preventing pregnancy as a hormonal IUD would be. The type of IUD you choose will affect its cost because they vary significantly in price and effectiveness.

  • Location

The location where you live and where the procedure takes place. If you live in a rural or remote area, finding an OB/GYN who offers IUDs might be difficult and lead to higher costs for travel and accommodation expenses if necessary. In addition, if your doctor charges more for services than others in your area do, then his or her fees will also affect how much money is spent on your procedure.

  • Insurance coverage.

If your insurance covers birth control, there’s a good chance it will also cover an IUD or implant. However, this may not be the case if you have a high deductible plan or a high-cost deductible (meaning that you have to pay for most medical expenses until you’ve met your deductible).

In those cases, paying out of pocket is often cheaper than paying monthly premiums without coverage for medical care until you hit your deductible amount.

Frequently Asked Questions About IUDs (FAQs)

You may find the following frequently asked questions regarding IUDs useful.

Is an IUD insertion painful?

You may feel some discomfort during the IUD insertion procedure. Most women who undergo this surgery report just minor discomfort. However, it is crucial to note that everyone’s pain tolerance is different. Assume you want to be cautious and avoid any discomfort during the operation.

In that situation, you may request that your healthcare professional prescribe pain or local numbing medication prior to beginning the treatment. It may also be beneficial to bring someone with you to your visit in case you experience dizziness or discomfort following the operation.

How much does it cost to have an IUD removed?

The removal of an IUD might cost up to $250. Depending on your clinic’s location and healthcare provider, this fee will vary. If you have health insurance, you might be able to get an IUD removal surgery for free or at a reduced cost.

Conclusion

As you probably already know, getting an IUD inserted isn’t a cheap endeavour. It’s vital that you know what exactly goes into the cost of an IUD before heading to your appointment—otherwise, you could be in for an unpleasant surprise.

Hopefully, this guide will help you better understand what to expect. Using the information presented here can help you plan out the cost of your IUD ahead of time, and it can also give you a better idea of which method is best suited for your needs as well.

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