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Home Health Medicines and Remedies How to Get Funding for Tubal Reversal
How to Get Funding for Tubal Reversal PDF Print E-mail
Written by Sandra Wilson   
To find funding for tubal reversal leaves the woman and her family wanting it searching high and low. As the surgery can be very costly and most of us don't have a few thousand or ten thousand lying around to be used for this, we have to find other means. So the financing becomes a major obstacle to getting her tubes untied.
by SandraWilson


To find funding for tubal reversal leaves the woman and her family wanting it searching high and low. As the surgery can be very costly and most of us don't have a few thousand or ten thousand lying around to be used for this, we have to find other means. So the financing becomes a major obstacle to getting her tubes untied.

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.

First is the good old saving for a rainy day. You simply begin to put the extra money you have every month aside in a savings account. I would go so far as to even suggest a savings account just for the purpose of saving for this procedure. If you mix it up into your regular savings account, you just might "accidentally" spend in on whatever comes up. If you don't have extra or think you don't, then it's time to look into the various budget cutting and controlling methods that abound on the web. Do you really need cable TV or that extra latte every day?

One good way to add to your fund is to get a job, whether it's babysitting if you're a stay at home mom or a Walmart cashier if you can get away from home. One of you might even consider getting a second job if you both work now, however hard that might be. It will only be for a little while till you have the amount your need.

If you use a top notch surgeon like Dr. Gary S. Berger of Chapel Hill Tubal Reversal Center, you will be able to create a payment plan with his office. This begins with an initial payment of $250 to open the account. After that, you send in payments of any amount you want or can as often as you would like. If you can, do it weekly. That gets the money out of your hands and into a special account where you can't dip into it for the winter snow tires or whatever. Think of it as a special baby layaway plan.

Some women use their family's income tax refund to pay for the tubal reversal surgery. Depending upon your personal situation, you might have to wait a few years if just depending upon a tax refund. This is why some will use their tax refund to supplement their savings 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.

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.

Another account you might find useful is your flexible spending account available through your job. These allow money to be taken from your paycheck before taxes, so you not only get the benefit of money piling up, it means you pay less taxes. You will have to find out the way your particular flex spending account works and sign up during your enrollment period if you aren't already in one.

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.

The last method we will mention is simply using your credit card. You can ask if your surgeon will accept a credit card and hope he takes yours. You could get a cash advance. Some credit cards offer special deals on cash advances to get you to apply for their card. Others charge very high interest rates. Be sure to know what you are getting into there.

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.

About Author:

To discuss funding for tubal reversal with the Chapel Hill Tubal Reversal Center staff and begin your journey toward a tubal reversal please visit the CHTRC site at http://www.tubal-reversal.net/

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