• Funding for Tubal Reversal - Ways to Do It

  Filed under Medicines and Remedies
  Jun 11
  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.

  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.

  One method that might be open to you is a sort of lay away plan at the surgeon you have chosen. For instance, if you choose one of the doctors at Chapel Hill Tubal Reversal Center, you can open a payment plan with $250. After that you can pay as much as you can when you can. I would suggest weekly if at all possible. The longer it stays in your hands the easier it is for it to disappear. Talk to the staff at Chapel Hill Tubal Reversal Center to get further details.

  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.

  Many people will think about insurance paying for the procedure as their first thought when looking at funding for tubal reversal. Some insurance companies will cover the surgery as part of their plan. However, if someone at your insurance carrier says they will, get it in writing. You may find that one person at the company says, “Yes”, and then the next will say, “No.” There are too many cases of a woman going in for the surgery thinking it was covered only to find out after wards that the insurance would pay nothing. Get it in writing!

  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 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.

  Another such source from your work would be taking out a 401(k) or IRA to pay for the full cost. You will end up paying a penalty and that money won’t be building your retirement so you will just have to decide what is most important to you. If it’s for ptls relief, I know what I would choose.

  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.

  Although there may be other methods available for funding for tubal reversal, the above will give you a good start on things to consider. As I don’t know your situation, I won’t know what is right for you. Only you can decide. But be careful about getting in over your head.

  About the Author:

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

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