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Not sure about the first part of the question, but embedded IUDs can be a dangerous problem. It can put you at higher risk for uterine perforation and secondary infection such as pelvic inflammatory disease (PID). Embedding occurs when the uterine tissue starts to grow around the IUD; they should only be removed by a medical professional. I would find it strange that an insurance company would refuse to cover something that could lead to a serious medical complication down the line (maybe because it is associated with an elective procedure, i.e. contraception?), but I would consult the call line of your local OB/GYN clinic to be sure.

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Q: How do you get your insurance company to cover removing an embedded IUD and what could happen to you if it is never removed?
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