Many, many women regret their tubal ligation each year for one reason or another. Once they have decided upon having a reversal surgery done, finding funding for tubal reversal becomes the biggest part of their lives as well as picking the best doctor to do the surgery. As these reversal can be quite costly, there usually is no other option but to seek out ways to scratch up the fees.
As most women will not have the full amount required for the surgery in their bank account, this means coming up with another way to get the money for the doctor’s fees, testing and whatever else is needed to carry out the procedure. Below we have included several different methods for finding the funding for tubal reversal.
Let’s start our list with the old tried and true savings account. In this you will put “extra” money. If you have a jar to catch the extra change you hate to carry in your purse or your husband hates to carry in his pocket, empty it every week into your savings account. Look around for whatever ways you can find of cutting costs in your home and add these savings to your account. The web and the libraries are full of information and books on budgeting and living frugally. You might even consider having a savings account set up just as your tubal reversal fund. Nothing gets pulled from it till it’s time to pay the doctor.
Next is a version of the first in that you will end up saving to come up with the full amount. In this version, you go out and get a job. If necessary, you get a second job. Then put that money aside into your savings account till you have the full amount all saved up.
The next method of funding for tubal reversal is a payment plan. This will be set up with your surgeon, or more precisely his office. You will have to find out if this is available to you from your surgeon. If you choose world renown Dr. Gary S. Berger to do your surgery, you will find that this option is available. Simply contact his office to get further details on how this will work.
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.
Usually the first place you will look for funding for tubal reversal is your health insurance provider. However, most will not cover this type of elective procedure though some may cover some of the initial testing. I hate to say it, but it all depends. It will really take a call to your company to get the real scoop and even then two different people there may tell you two opposite answers. If you do get someone to tell you a tubal reversal is covered, then get it in writing. You don’t want to be surprised after the surgery and find you have to pay it all with no reimbursement.
While still talking about health insurance there are two ways that you just might, that it’s just possible, you can get them to provide the funding for tubal reversal. If you suffer from post tubal ligation syndrome and you can get your primary doctor on board, he/she could state in writing for your insurance company that you need your tubes repaired. Not that you need a tubal reversal but that you need your tubes repaired. The second way you might get some money returned to you is if your insurance has a health expenses cap and you go over it with the surgery.
Lacking health insurance to pay for the tubal ligation reversal, you might be lucky enough to have a flexible spending account for health at your or your husband’s employment. Some of these will allow you to take out the full amount in advance. You’ll just have to see what the particulars are during your enrollment season. As the amount you pay into the flex spending account is pulled from the paycheck before you ever see it, you most likely won’t even notice it.
Another such source from your work would be taking out a 401(k) or IRA to pay for the full cost. You will end up paying a penalty and that money won’t be building your retirement so you will just have to decide what is most important to you. If it’s for ptls relief, I know what I would choose.
Of course, no talk of financing would be complete without addressing using credit cards. Unlike most of what we discussed above, this one will put you into debt. You will have to decide if it is good debt or bad debt. If your physician won’t accept your credit card, you could try taking out a cash advance. Some credit cards will even give you checks you can write out just like a normal check but the amount you write it out for will be added to your credit card balance. Check and see what interest rates you will be paying for these checks or a cash advance.
I hope these ideas above will give you some food for thought to decide on your funding for tubal reversal. Discuss this with your husband or significant other to decide which will best fit your situation. Some are slow and some will get you there faster. Good luck.
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