As much as a countless number of women would like to undergo tubal reversal surgery, their financial limitations may be holding them back. Tubal reversal is a complex procedure that is designed to reverse sterilization which may have been achieved by either clamping the fallopian tubes or cutting them. Microsurgical techniques have even made it possible for smaller incisions and quicker recovery time. Regardless, most prospective patients quickly find that their insurance company will offer little in the way of financial help for a tubal reversal.
This is widely considered an elective procedure, despite the fact that tubal ligation surgery can result in post tubal ligation syndrome (PTLS). PTLS is recognized in some medical circles, but has yet to be fully ordained a legitimate disorder. There is not much known about the condition beyond the fact that it can intensify the symptoms of the monthly menstrual cycle to the point that they can become almost unbearable. This raises question over whether or not tubal reversal might be considered a form of acute treatment, but regardless many women find themselves scrambling in an attempt to find financing aid for tubal reversal.
There are a number of options that can be lucrative depending on the patient’s circumstances. Financing is the most widely used funding option and can be structured in such a way that the patient has a modest monthly payment which they continue to repay from six months up to five years. Patients should be careful to scrutinize the terms of the financing agreement, especially those that deal with the percentage and variability of the interest rate. Fixed rate tubal reversal loans are the best choice.
Those with bad credit should not be discouraged from applying. Approval is possible with either a higher interest rate or the help of a co-signer. The co-signer’s credit history can be adversely affected if you fail to make your monthly payments or otherwise breach the terms of the agreement, so be sure you are ready to live up to the financial commitment.
If tubal reversal financing is not an option, the patient can explore the non-profits grants which are given out for this procedure. The organizations that take part in awarding these grants are usually religion-oriented. The sum of money up for grabs for can vary, but is usually at least a few thousand dollars. Regardless, to be eligible for a grant you will need to wait until your reach the top of a waiting list. This can take anywhere from several months to years, with the latter being the most common wait time considering the tremendous demand for tubal reversal surgery.
If you’ve exhausted all your other options, you can always try to solicit family members for financial help for a tubal reversal. You will need to find a way to provide some reassurance that you intend to repay the borrowed amount. If you fear you won’t be able to, it’s best not to enter into this sort of financial arrangement as it may end up souring your relationship with loved ones. If thats the case, the best possible move is to try and rebuild you credit in order to qualify for tubal reversal financing.