| If you have decided that you want your tubes untied | | | | will cover the surgery as part of their plan. However, |
| to either have another child or for relief of post tubal | | | | if someone at your insurance carrier says they will, |
| ligation syndrome, then funding for tubal reversal | | | | get it in writing. You may find that one person at the |
| becomes one of your major considerations. With | | | | company says, "Yes", and then the next will say, |
| tubal reversals being in the thousands and tens of | | | | "No." There are too many cases of a woman going in |
| thousands of dollars, most women cannot afford to | | | | for the surgery thinking it was covered only to find |
| pay the costs out of pocket. | | | | out after wards that the insurance would pay |
| This means most women will be searching for some | | | | nothing. Get it in writing! |
| other way to come up with the requisite money to | | | | You will find that most insurance companies will not |
| pay the doctor's fees and all other associated costs | | | | cover it as it is considered an elective surgery. |
| such as the anesthesiologist and surgical facility. While | | | | However, there are some possible, and I stress |
| having the full amount in one's bank account would | | | | possible, ways around this. If the reason you are |
| be the best scenario, it usually doesn't happen that | | | | wanting the tubal reversal is for alleviation of |
| way. There are more or less eight ways to come up | | | | symptoms of post tubal ligation syndrome, then |
| with the amount of your tubal reversal costs. | | | | getting you primary doctor to say that repairing your |
| First is the good old saving for a rainy day. You | | | | tubes is necessary might be one way to get |
| simply begin to put the extra money you have every | | | | insurance to pay for it, maybe even 100%. The |
| month aside in a savings account. I would go so far | | | | other way that is possible to get some of the cost |
| as to even suggest a savings account just for the | | | | reimbursed is if there is a cap on your medical |
| purpose of saving for this procedure. If you mix it up | | | | out-of-pocket expenses where the insurance |
| into your regular savings account, you just might | | | | company picks up the amount over the cap. You will |
| "accidentally" spend in on whatever comes up. If you | | | | have to check your own policy to see about this. |
| don't have extra or think you don't, then it's time to | | | | Lacking health insurance to pay for the tubal ligation |
| look into the various budget cutting and controlling | | | | reversal, you might be lucky enough to have a |
| methods that abound on the web. Do you really | | | | flexible spending account for health at your or your |
| need cable TV or that extra latte every day? | | | | husband's employment. Some of these will allow you |
| Next is a version of the first in that you will end up | | | | to take out the full amount in advance. You'll just |
| saving to come up with the full amount. In this | | | | have to see what the particulars are during your |
| version, you go out and get a job. If necessary, you | | | | enrollment season. As the amount you pay into the |
| get a second job. Then put that money aside into | | | | flex spending account is pulled from the paycheck |
| your savings account till you have the full amount all | | | | before you ever see it, you most likely won't even |
| saved up. | | | | notice it. |
| If you use a top notch surgeon like Dr. Gary S. | | | | Another such source from your work would be |
| Berger of Chapel Hill Tubal Reversal Center, you | | | | taking out a 401(k) or IRA to pay for the full cost. |
| might be able to create a payment plan with the | | | | You will end up paying a penalty and that money |
| surgeon's office. His system begins with an initial | | | | won't be building your retirement so you will just |
| payment of $250 to open the account. After that, | | | | have to decide what is most important to you. If it's |
| you send in payments of any amount you want or | | | | for ptls relief, I know what I would choose. |
| can as often as you would like. Your surgeon may | | | | Lastly is using your credit card in some form. It could |
| have a different system set up. If you can, do it | | | | be that your doctor will accept your credit card. If he |
| weekly. That gets the money out of your hands and | | | | does not, then maybe you can get a cash advance |
| into a special account where you can't dip into it for | | | | to pay for the surgery. However, be very aware of |
| the winter snow tires or whatever. Think of it as a | | | | the high interest rate you may have to make paying |
| special baby layaway plan. | | | | back this advance. Make very sure you pay higher |
| Some women use their family's income tax refund to | | | | than minimum monthly payments on your credit card |
| pay for the tubal reversal surgery. Depending upon | | | | or you will be paying a very long time for the |
| your personal situation, you might have to wait a | | | | surgery. It might also be possible to use your credit |
| few years if just depending upon a tax refund. This | | | | card to "purchase" a cashier's check to pay for your |
| is why some will use their tax refund to supplement | | | | tubal reversal. |
| their savings plan. | | | | Hopefully one of the above ideas will be the right |
| Many people will think about insurance paying for the | | | | funding for tubal reversal for you. Decide upon the |
| procedure as their first thought when looking at | | | | one that best fits your lifestyle and situation. Only |
| funding for tubal reversal. Some insurance companies | | | | you know what is right for you. |