Why would a woman and her partner be looking for tubal reversal funding? Most women who have a tubal ligation performed consider it to be a final form of sterilization. They don't plan to ever have any additional children, so they have their tubes tied in an effort to prevent that from happening.
However, some women later regret the decision because their life circumstances change or they simply change their mind. In these cases, these women might decide to have a reversal surgery done. As with any medical procedure that isn't covered under insurance, a woman must budget to have this procedure completed. This is where the question of tubal reversal funding comes into play.
There are only a few doctors throughout the United States who do tubal reversal surgeries on anything like a consistent schedule meaning every week. These reversals are typically a lot more affordable than having in vitro fertilization done, for instance.
With in vitro, you can expect to pay anywhere from $10,000-$12,000 per cycle. That's the average and many times a cycle can cost lots more. In other words, if the woman doesn't get pregnant during the initial cycle of in vitro fertilization, then she would have to pay for additional cycles. Plus, she could only be successful in the months that she has IVF done.
On the other hand, the surgery to untie her tubes would give a woman the ability to get pregnant in any month that she decides to try. This is a permanent reversal, so there would be no need for extra hormone injections or paying additional funds to continue trying to conceive every time you want to try. And on average you will try and try again.
Most insurance providers do not cover tubal reversal surgery because it is an elective procedure. However, a very few will cover it or parts of it (this is option #1).
Therefore, it's important to first check with your insurance provider to see if you have any out of network coverage. Some insurance companies may pay a portion of the surgery or some of the necessary preparations while others will not pay one penny of it. Because it is not considered to be a necessity, many insurance providers will simply decline the claim. Know which before your surgery.
Tubal reversal funding is really a personal choice. While you can expect to pay less than $7000 for the procedure with the top notch surgeon in the country, that is still a substantial amount of money for many people.
One thing you can do is to speak with your surgeon's office to find out what options are available through them when it comes to financing the procedure. Many times, they will have payment plans available (option #2).
Also there are the tried and true methods of just opening a savings account to save for your operation (option #3), putting the surgery on a credit card (option #4), using your income tax refund if large enough (option #5), or taking out some type of loan for the surgery (option #6). One other form of tubal reversal funding is a specific medical loan which some companies provide (option #7 as it varies from commonly thought of loans and most people don't even know medical loans exist).
One more option for financing your operation is finding and applying for a grant (option #8). Most of the organizations providing such grants are faith based which means you will most likely need to adhere to some specific guidelines.
So while insurance probably won't cover your surgery leaving you to come up with some other form of tubal reversal funding, there are several options available. The 8 options above range from the immediate of the credit card to the midterm of getting a loan, medical or otherwise, to the long term of saving for the surgery. Which you choose is up to you and your situation.
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