The average cost of tubal reversal surgery well exceeds most people’s financial means. The procedure, which is designed to restore fertility by reattaching the severed ends of the fallopian tubes back together, is much more expensive than the initial surgery that caused the damage. Tubal reversal can cost up to $10,000 and even with this high cost there is no guarantee that the surgery will be successful. Surgeons will often do their best to inform patients of the various factors that can have a bearing on the outcome so that they don’t have unrealistic expectations. Their age and the time that has lapsed since their ligation surgery are two of the most important factors. The reproductive health of the individual the female intends to bear a child with can also influence the outcome for better or worse.
Tubal reversal is not something that most insurance companies will cover. It is after all a personal choice to undergo tubal ligation in the first place. Despite this, some patients have been able to obtain partial reimbursement for the surgery. The likelihood of this happening in your situation will depend on your coverage provider as well as how committed your surgeon’s office is to offsetting your out-of-pocket expense. In some instances, a deductible cap may require that they submit multiple claims for the same procedure. Regardless, if you need to obtain funding for tubal reversal there are many other places to look beyond insurance coverage.
For one, there are a number of non-profit organizations that offer tubal reversal grants. Money that is donated to these entities is pooled and given to those on a waiting list to pay for their surgery. The nice thing about tubal reversal grants is that you won’t be stuck with ongoing monthly payments as you would with financing. Furthermore, you don’t need to worry about your credit history. The money you can expect to get from a grant can vary, but typically it won’t be enough to cover the entire procedure.
If you aren’t able to obtain any financial aid from non-profit groups that offer grants, remember that you can still get tubal reversal funding direct from your surgeon’s office. If you want to stand a good chance at being approved, you will need to ensure that your credit history is in good standing. If not, you might want to postpone until you can rebuild it so you get more favorable terms for your tubal reversal financing. Otherwise, sky high interest rates are in your future.
Financing is often arranged through a company that is known as CareCredit. This lender loans money to patients wanting to undergo various forms of surgery, from cosmetic to acute surgical procedures. CareCredit offers good incentives for borrowers who are able to pay off their balance within the first year, including no interest payments. If you manage to get some money out of your insurance company, you can also use CareCredit to pay off the copayment. Although you might have difficulty containing your excitement in preparation for tubal reversal surgery, remember to consider each of your tubal reversal funding options very carefully as you don’t want to leave yourself in financial ruin because you rushed into the process.