Reproductive health expenses
Reproductive health expenses include costs for medical services and products related to fertility, contraception, pregnancy, childbirth, and reproductive system disorders. Insurance plans classify in vitro fertilization (IVF), intrauterine insemination (IUI), and egg freezing as reproductive health expenses.
Coverage rates vary: only 21 states mandate some infertility coverage as of 2024. Insurers usually require preauthorization before covering IVF or egg retrieval procedures, as reported by YourInsurance.info (Your Insurance Info).
Most insurance policies exclude elective sterilization reversal but cover vasectomy and tubal ligation under preventive care. Medicaid covers prenatal care, delivery, and postpartum visits but excludes most infertility treatments.
Health savings accounts (HSAs) allow use of funds for birth control pills, IUDs, and hormone therapies prescribed for reproductive purposes. Affordable Care Act (ACA) mandates no-cost-sharing for FDA-approved contraceptives in group health plans since 2012.
Insurers generally deny coverage for surrogacy-related maternity care unless specifically stated in the policy. Diagnostic tests such as hysterosalpingograms and semen analysis qualify as covered reproductive health expenses if medically necessary.
Out-of-pocket spending on assisted reproductive technology averages $12,000 per IVF cycle in the U.S. According to the Society for Assisted Reproductive Technology (SART).
How much do abortions cost at Planned Parenthood with insurance?
The cost of an abortion procedure can vary at Planned Parenthood depending on the type of insurance plan a patient has. Generally, patients with insurance pay between $0 and $100 out-of-pocket. For those without insurance or who have a plan that does not cover the procedure, the cost ranges from about $300 to over $900…
How much do IUDs cost without insurance?
The cost of an IUD without insurance varies. It can range from $500 to over $1,000 depending on the type and brand selected. For some women, additional fees may be required for insertion or follow-up visits. There are also several ways to reduce costs, including shopping around for a provider who offers discounted rates and…
How much does it cost for a vasectomy without insurance?
The average cost of a vasectomy without insurance is between $300 and $1,000. Factors such as the doctor’s experience level, the geographic location, and whether or not anesthesia is used can affect the total cost of the procedure. In some cases, sliding-scale payment plans are available that may reduce out-of-pocket costs for those who qualify.…
How expensive is birth control without insurance?
Birth control without insurance can vary significantly in cost. Generally, over-the-counter methods are the least expensive, ranging from $10-$50 per month depending on the type of product chosen. Prescription options may cost anywhere between $15-$50 for a one-month supply. More long-term or nonpermanent birth control measures such as IUDs and implantable rods can range from…
How much does a birth control implant cost without insurance?
The cost of a birth control implant without insurance varies depending on the provider. Generally, these implants cost approximately $400 to $850. It is important to note that certain providers may offer discounts or payment plans for those who do not have insurance. Some health centers provide free or low-cost contraception services for those in…
How much does Depo-Provera cost without insurance?
Depo-Provera, a progestin-only contraceptive injection, typically costs between $45 and $150 without insurance. The exact cost of the injection is determined by factors such as geographical location and provider fees. Some clinics offer Depo-Provera at low or no cost for those who qualify. To find out more about the specific cost of Depo-Provera in one’s…
How much does a sperm count test cost without insurance?
The cost of a sperm count test without insurance can vary. Factors that may influence the cost include geographical location, type of laboratory and doctor’s fees. On average, the cost for such a test ranges between $150 to $400. Additional charges may be included for physician consultation or analysis of sample results. Contents: Cost Estimates…
How much does IUI cost without insurance?
The cost of Intrauterine Insemination (IUI) without insurance can vary greatly depending on the location and provider. Generally, patients can expect to pay between $500 and $2,000 for a single IUI cycle. The total amount could be higher if medications or additional procedures are necessary, such as ovarian stimulation drugs or follicle monitoring ultrasounds. Many…
How much does a miscarriage cost without insurance?
The cost of a miscarriage without insurance depends on the type of care a person requires. If a woman requires emergency care for her miscarriage, she may need to pay for an ER visit and any other medical procedures related to their miscarriage. Depending on the severity of the case, this could range from several…
How much does an abortion pill cost without insurance?
The average cost of an abortion pill without insurance can vary greatly depending on location. Generally, it is around $500–600, however in some areas it can be as low as $300 or as high as $1,000. Many clinics offer sliding scale fees for individuals who are facing financial hardship. It is important to check with…
How much does a vasectomy cost in Texas with insurance?
The cost of a vasectomy in Texas can vary depending on the type of health insurance coverage the individual has. Generally, those with health insurance may pay between $0 and $1000 for their procedure. Costs can be higher if additional services are required, such as sperm storage or follow-up visits. The exact price will depend…
See also Reproductive health financing.