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How to Get Funding for Tubal Reversal

Jun 2, 2008
If you have decided that you want your tubes untied to either have another child or for relief of post tubal ligation syndrome, then funding for tubal reversal becomes one of your major considerations. With tubal reversals being in the thousands and tens of thousands of dollars, most women cannot afford to pay the costs out of pocket.

This means most women will be searching for some other way to come up with the requisite money to pay the doctor's fees and all other associated costs such as the anesthesiologist and surgical facility. While having the full amount in one's bank account would be the best scenario, it usually doesn't happen that way. There are more or less eight ways to come up with the amount of your tubal reversal costs.

Let's start our list with a special savings account just for your tubal reversal. I think it best to set up a separate one from your existing one. And make a rule that they only time anything is withdrawn from this account is to pay the surgeon. Come up with ways to start putting money into this account. What are you paying for that is just an extra that you can give up? Do it and put that money into your savings account instead. Take a good hard look at how you spend your money and you could be surprised to find that you are able to add $50, $100 or even $200 to your special account each month. After all, what's more important, getting that tubal reversal or going to Starbucks every day?

A variation or addition to the first method is to get a job. This could be a second job if you work now or a regular job if you don't work now. Take as much of this as you possibly can and add it to your savings. If you are making ends meet now without it, then you should be able to put most of it away into your special fund.

One method that might be open to you is a sort of lay away plan at the surgeon you have chosen. For instance, if you choose one of the doctors at Chapel Hill Tubal Reversal Center, you can open a payment plan with $250. After that you can pay as much as you can when you can. I would suggest weekly if at all possible. The longer it stays in your hands the easier it is for it to disappear. Talk to the staff at Chapel Hill Tubal Reversal Center to get further details.

A good way to help either your savings account or your payment plan along is to add your income tax refund into it. This can be a nice big boost, depending upon the size of the refund. It could sure give you the incentive to keep carrying out your savings or payment plan.

Many people will think about insurance paying for the procedure as their first thought when looking at funding for tubal reversal. Some insurance companies will cover the surgery as part of their plan. However, if someone at your insurance carrier says they will, get it in writing. You may find that one person at the company says, "Yes", and then the next will say, "No." There are too many cases of a woman going in for the surgery thinking it was covered only to find out after wards that the insurance would pay nothing. Get it in writing!

As this is an elective procedure you probably won't get insurance coverage for it. But there just might be a way around it. You could try having your primary care physician state in writing that you need to have your tubes repaired. This might work if your reason for a tubal ligation reversal is due to post tubal ligation syndrome and your doctor is willing to help you. Repair work on your tubes, rather than a tubal reversal, might just be the secret words. Then again, if your insurance has a cap on how much you have to pay toward your health expenses, it might pick up whatever amount over that cap the surgery puts you. These are by no means sure methods, but they just might work.

Another account you might find useful is your flexible spending account available through your job. These allow money to be taken from your paycheck before taxes, so you not only get the benefit of money piling up, it means you pay less taxes. You will have to find out the way your particular flex spending account works and sign up during your enrollment period if you aren't already in one.

Something else that may be available through your employment is taking out your 401(k) or an IRA. You know you will pay a penalty and there is the further penalty of that money now not working to build your retirement. You have to decide if withdrawing this money is more important to your family.

The last method we will mention is simply using your credit card. You can ask if your surgeon will accept a credit card and hope he takes yours. You could get a cash advance. Some credit cards offer special deals on cash advances to get you to apply for their card. Others charge very high interest rates. Be sure to know what you are getting into there.

Hopefully one of the above ideas will be the right funding for tubal reversal for you. Decide upon the one that best fits your lifestyle and situation. Only you know what is right for you.
About the Author
To discuss funding for tubal reversal with the Chapel Hill Tubal Reversal Center office personnel and start your journey to get a tubal reversal please check out the CHTRC site at http://www.tubal-reversal.net/
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