Plan ahead to control costs for your vasectomy reversal, and your pregnancy that may soon follow. Most health insurance plans will not cover your surgery, and you will have to pay out-of-pocket up-font. Take advantage of the tax code, and use supplemental insurance to offset costs and create a safer pregnancy.
Most health insurance plans will happily pay for your initial vasectomy. But when your plans change and you look to reserve the surgery their outlook changes. Follow the dollars to understand why: your initial vasectomy saves money, while the reversal does the reverse. Your vasectomy prevents a much costlier insurance exposure - pregnancy. Normal labor and delivery costs far more than a vasectomy, and costs skyrocket for pregnancies with complications.
Your vasectomy reversal introduces two costs: the surgery, and the subsequent pregnancy. While both procedures are elective, insurance policies typically do not cover the reversal surgery - because it doesn't make business sense, and nobody has passed a law forcing them to do so. The cost is yours to pay 100% out of pocket.
Plan ahead and you can find several ways to keep costs for your surgery and subsequent pregnancy more affordable: leverage the federal tax code, and buy supplemental insurance.
The Federal tax code provides two alternatives: your vasectomy reversal surgery costs are tax deductible. Most tax payers will see bigger tax savings by using their flexible spending account. Pre-tax dollars save both on income taxes and FICA taxes, and you avoid the 7.5% threshold for medical expense deductions.
Supplemental insurance pays benefits directly to the insured for mom's normal labor and delivery. Time your program start date right, and your benefit may greatly exceed the premium you pay helping you to recoup much of your surgical costs. Plus, you gain extra protection in case of complications.
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