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If your health care plan does not cover contraception, then you may be able to prove medical necessity for a hormonal IUD due to extremely painful or heavy periods. If your plan covers only less expensive methods, many plans will require you to demonstrate that you have "failed" on other options. What is a failure? Pregnancy? Who knows. Luckily, changes in laws about health insurance may make the point moot.

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Q: How do you prove medical necessity for IUD?
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