Health Articles And Advice

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.

Among the fees that will have to be paid to have the surgery are the post-op tests, the surgeon’s fees, the surgical facility fees, the staff including the anesthesiologist and any needed travel expenses if doing the surgery out of town in order to get the best doctor. In this article we have included a few different ways to try to come up with the cash needed to get the job done.

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.

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.

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.

When you begin thinking of funding for tubal reversal, the first thought is usually, “Will my health insurance pay for it?” This will vary from provider to provider and state to state. You can try reading through your insurance policy but may still not know the answer. Most often, insurance will not pay for it but some might pay for parts. Even calling your insurance company could get you the run around with one person saying yes and another saying no. If you do get a person on the other end of the phone saying yes then make darn sure you get that in writing before going in for surgery thinking it’s all covered. Be sure.

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 method you might investigate is if you or your spouse has a flexible spending account available through your place of employment. With some, you can spend the money ahead of time before you actually have it all in the account. As this is pulled from your paycheck before you even see it, it could be a good way to come up with some of the money. One concern though is any limits on the amount and whether it will roll over from one year to the next or how much will roll over. Check out the particulars of your own account during your enrollment season.

Yet one other source of funding for tubal reversal is your, or your husband’s, IRA or 401(k). Penalties will have to be paid for early withdrawal and you are robbing your retirement as well. But it is one more method that you can consider.

Lastly is using your credit card in some form. It could be that your doctor will accept your credit card. If he does not, then maybe you can get a cash advance to pay for the surgery. However, be very aware of the high interest rate you may have to make paying back this advance. Make very sure you pay higher than minimum monthly payments on your credit card or you will be paying a very long time for the surgery. It might also be possible to use your credit card to “purchase” a cashier’s check to pay for your tubal reversal.

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.