If you are one of the many women usually as part of a couple who has decided to undergo tubal reversal surgery to regain your ability to conceive, then it is safe to say that you are aware of the cost of such a surgery. Just for the procedure alone it can cost over $8,000, not to mention other costs that may come with it for those operations which have the different parts, like hospital costs, charged separately. Many may argue that you can’t put a price on the gift of childbearing, but these days your financial situation can easily get in the way of your dreams. However, financial assistance for tubal reversal surgery is a great option to help you either lower the cost or find some way to cover it and be one step closer to having a child.
A great place to start would be to take a look at your own health insurance policy. Some insurance companies may cover the expense of the surgery, or at least some of the cost. However, more often than not, your insurance company may consider tubal ligation reversal surgery to be ‘elective’. What this means is that the surgery itself is not a needed medical procedure to save your life or better your health and therefore is disqualified by your health insurance company. What you need to do is to review your insurance policy to find out if you are covered. You may even be one of the lucky few that are. However there may be some coverage for the smaller costs like you lab work needed before the procedure.
One thing to note is that if you are seeking the reversal surgery for relief from post tubal ligation syndrome, you might, with your doctor’s help, be able to show the surgery is required for your health and get it covered by your health insurance policy that way. This does take some doing and the proper presentation.
If you don’t find much help from your health insurance company, you might have better luck with a medical financing company. Such companies help by providing financial assistance for tubal reversal, providing that you agree to their terms of service. This is in essence simply getting a loan but from a special company that provides loans for medical procedures such as plastic surgery, dental surgery or, in this case, tubal ligation reversal surgery. In the long run it may cost you more of your hard-earned cash, but if time is of the essence, and who wanting a baby doesn’t feel that time is of the essence, then using a medical financing company can be a solution.
If all else fails, loans may be obtained from your local bank. While this may still fall into the medical financing category usually you will not get a loan from your bank for a medical procedure. However, you might get a personal or signature loan. If that is not an option, then perhaps a second on your home or some other asset is possible. But think very carefully about taking out any loan that will add more liability and payments.
Needless to say there aren’t too many options out there, so start saving money as soon as possible. This in fact may be the best method to actually raise the funds for your tubal ligation reversal even if it doesn’t fall into the realm of financial assistance. While you might even consider using fundraising to gain extra funds for the procedure, a reversal procedure just doesn’t have the same appeal to other people’s generosity as raising funds for someone needing a transplant or dying from cancer to pay the hospital bills. However, if you do find financial assistance for tubal reversal it can make a difference.