Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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The lowdown...

  • Vasectomy is a covered procedure under most health insurances
  • Vasectomy removal is almost always not covered
  • Average cost of a vasectomy is $350 to $4,000
  • A Vasectomy qualifies for payment with a health savings account (HSA)

A vasectomy is a type of sterilization solely for men and the most popular form of contraception for couples in the US. A vasectomy is most common in men ages 35 to 44. It is a safe procedure with less risk of complications than a tubal ligation in women.

The birth control method can be expensive, but it is a one-time cost and considered to be one of the most efficient sterilization options available today. In comparison to months of birth control pill subscriptions, condoms, and spermicides, a vasectomy is a cost-effective option.

Find a provider that offers affordable coverage with free health insurance quotes above!

Vasectomy Costs

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On average, a vasectomy costs anywhere from $350 to $4,000. The wide range in cost is based on location, the type of surgical method used, and other variables such as whether you pay cash, are eligible for an income-based sliding scale, or the procedure is covered in whole or part by your health insurance.

Other factors that determine the out-of-pocket cost involved with a vasectomy include whether a physician bundles services participating in the procedure or bills everything separately.

If the doctor doesn’t bundle all services together, you may also be responsible for the initial consultation, anesthesia, follow-up appointments, and labs such as semen analysis. Luckily, most health insurance policies cover charges associated with a vasectomy.

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How the Affordable Care Act Affects Vasectomy Costs

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In August 2016, a new requirement was added to the Affordable Care Act (ACA). Under this new provision, private health insurances must cover at least one of the 18 FDA-Approved contraceptive methods without any cost sharing to individual subscribers. Now, all the methods approved by the FDA are for women including tubal ligations and implants. However, it is the goal of many lawmakers to include sterilization options for men.

As of June 2017, the new ACA rules do not include any cost sharing policies for vasectomies. However, Vermont and Maryland have already passed laws that require insurance companies to offer vasectomy coverage to male patients at no additional cost to themselves.

Vermont’s law went into effect in October 2016, and Maryland’s will be set in place in January 2018. Several other states are expected to enact similar laws before the Federal government putting something in place.

How to Determine if Your Health Insurance Will Pay for a Vasectomy

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Although most health insurance companies will cover a vasectomy – not all policies pay for the procedure the same way. For this reason, it is the insured’s responsibility to contact their company to discuss benefits. Under most situations, much of charges associated with a vasectomy are covered by your insurance. However, you may be responsible for:

  • Copays
  • Deductible
  • Coinsurance

A copay is a flat fee due at each doctor’s visit. If your insurance makes a distinction between primary care and specialists co-pays, you will likely be responsible for the experts’ co-pay.

The deductible is a fixed amount that is the insured’s responsibility before the policy begins to pay benefits.

Lastly, coinsurance is a percentage of doctor’s costs that a patient is responsible for. For example, your policy may require you to pay 20-percent of all approved charges.

A Vasectomy is a Safe, Out-Patient Procedure

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Adding to the affordability of a vasectomy is the fact that it is a safe, outpatient procedure. What this means is a man can expect to come to the office, have the procedure done, and go home within an hour or two.

Some people opt to undergo anesthesia during a vasectomy to decrease discomfort. Even with the use of anesthesia, men can expect to return home to recover in a matter of hours.

Unless serious complications arise, there is no hospital stay associated with a vasectomy. However, women who undergo tubal ligations often have long recovery times, hospital stays, and large hospital bills. Although unlikely, if complications do arise, and a hospital stay is required, the charges associated with a vasectomy will be higher than normal.

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Charges Associated with a Vasectomy and Not Covered by Insurance

As we’ve stated before, a vasectomy is a permanent form of birth control. However, there is a vasectomy reversal procedure available. During this procedure, a physician will attempt to repair tubes in the scrotum that carry sperm. The process is not guaranteed to be effective and is not usually covered by health insurance.

Use a Healthcare Savings Account to Pay for Out-of-Pocket Expenses

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If you contribute to a healthcare savings account (HSA), you can use it to pay for any out-of-pocket costs. A vasectomy is a qualified expense under this program, which means you can use monies saved in this account to pay for any expenses not covered.If you opt for anesthesia, which is not a covered service in most situations, you can also use the HSA to pay for these additional charges.

Don’t forget to compare quotes from multiple health insurance providers before scheduling a vasectomy. You may be surprised to find that another company can offer you much better coverage for minimal to no additional costs from what you already pay.

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