How to Get Financing for a Tubal Ligation Reversal

Tubal ligation reversal, known colloquially as "getting your tubes untied," is a reversal surgery that some women have performed when they change their minds about wanting to get pregnant. Because of the risks of surgery and the possibility of it being impossible to complete, the decision to reverse a tubal ligation can be very complicated. It is further complicated by financing, which can be difficult to find as some insurance companies may not cover reversal.

Instructions

• 1

  Contact your insurance company. Some companies may cover the procedure, while others will not, especially if they covered the initial tubal ligation. Some women reported better results from their insurance companies by giving them only the codes for the surgery, rather than telling the representative on the phone they wanted their tubal ligation reversed.

• 2

  Consider a personal bank loan. If you can't pay out of pocket (a cost of between $5,000 and $15,000) but you have good credit, you may be able to secure a loan from your bank for the procedure. Try your own bank first, as regular customers may get lower rates, but also shop around.

• 3

  Talk to your specialist about payment options. Some doctors offer their own payment plans, including financing and pre-payment, which works a bit like lay-a-way at a store. Explain to your doctor that your insurance will not cover the procedure and see what HE can offer.

• 4

  Check into your Flex Spending Account. Some employers offer tax-advantaged flex spending accounts that allow employees to save for medical expenses. See if you qualify for this benefit by asking your human resource department.

• 5

  Compare commercial health care financing options. Many private companies have stepped in to fill the gap in health care financing. Companies such as CareCredit specialize in lines of credit for health care costs that aren't typically covered by insurance companies.