Are There Health Insurance Plans That Cover Tubal Reversal?

July 1, 2011 – Many who want tubal ligation reversal are looking forward to having the operation performed but are discouraged because of the costs. Tubal ligation reversal can cost thousands of dollars, usually around $5000 to $12000. Though the cost is cheaper compared to IVF, it is still a lot of money and there aren’t many health insurance plans that cover tubal reversal. But don’t easily give up on your dream of having children without considering your other payment options first. Instead of relying on your insurance plan, explore your other options and decide which would be best according to your financial situation.

When it comes to tubal reversal financing, most of us would immediately think about loans. But getting a loan is not the only way for you to be able to pay for the surgery. A prepayment plan or layaway plan would be better than applying for a loan. You will not have to pay for interest rates. You just have to save money and deposit it in your account you will set up with the tubal reversal clinic where you will be having your surgery. You just need to deposit regularly on the account until you have enough money for the surgery. So ask your surgeon beforehand whether this option is available for you.

Although most insurance companies state clearly that they will not cover tubal reversal, you can still find some health insurance plans that cover tubal reversal. It would not hurt if you ask your insurance company if you want to make sure. There’s no harm in trying. If they say “no”, then you know that you still have other options on where to get the money for the operation. If they say “yes”, make sure to put it in writing and ask whether they will cover the full costs or if they will only provide partial coverage.

 

 

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