Last updated: March 2026
How Much Does Paragard IUD (Copper, Non-Hormonal) Cost?
Without Insurance
$800 – $1,300
Average: $1,050
With Insurance
$0 – $100
Average: $50
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Cost Breakdown by Type
| Type / Procedure | Without Insurance | With Insurance |
|---|---|---|
| Paragard Device + Insertion | $800 – $1,300 | $0 – $100 |
What Affects the Cost
- Brand-name vs. generic availability
- Insurance formulary tier placement
- Pharmacy choice (retail vs. mail-order vs. Costco)
- Manufacturer savings cards and coupons
- Dosage and quantity prescribed
- Geographic location
Insurance Coverage
Typical coverage: ACA requires $0 cost-sharing for contraceptives
Most insurance plans use a tiered formulary: Tier 1 (generic) $0-$15 copay, Tier 2 (preferred brand) $25-$75, Tier 3 (non-preferred brand) $50-$150, Tier 4 (specialty) $100-$500+. Prior authorization may be required for certain medications. Step therapy may require trying cheaper alternatives first.
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How to Save Money
- Always ask for generic when available — saves 50-90%
- Use GoodRx, RxSaver, or similar discount cards
- Costco pharmacy is open to non-members and often has lowest prices
- Mark Cuban's Cost Plus Drugs offers transparent low pricing
- Manufacturer patient assistance programs provide free medication to qualifying patients
- HSA/FSA funds can cover medication costs tax-free
Related Procedures & Costs
Frequently Asked Questions
Yes, Paragard is the only hormone-free IUD in the US. It uses copper to prevent pregnancy and lasts up to 10 years.
Paragard costs $800 to $1,300 including insertion. It is the most cost-effective contraception over 10 years.
Yes, Paragard is the most effective form of emergency contraception when inserted within 5 days of unprotected sex (over 99% effective).
Disclaimer: Costs shown are estimates based on national averages and may vary by location, provider, and insurance plan. This information is for educational purposes only and is not medical advice. Consult your healthcare provider and insurance company for exact costs. Read full disclaimer.
Sources: FAIR Health Consumer, Healthcare Bluebook, CMS Medicare Fee Schedules, GoodRx, and published clinical pricing data. Last updated: 2026-03-15.