Many, many women regret their tubal ligation each year for one reason or another. Once they have decided upon having a reversal surgery done, finding funding for tubal reversal becomes the biggest part of their lives as well as picking the best doctor to do the surgery. As these reversal can be quite costly, there usually is no other option but to seek out ways to scratch up the fees.

Among the fees that will have to be paid to have the surgery are the post-op tests, the surgeon’s fees, the surgical facility fees, the staff including the anesthesiologist and any needed travel expenses if doing the surgery out of town in order to get the best doctor. In this article we have included a few different ways to try to come up with the cash needed to get the job done.

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?

A variation or addition to the first method is to get a job. This could be a second job if you work now or a regular job if you don’t work now. Take as much of this as you possibly can and add it to your savings. If you are making ends meet now without it, then you should be able to put most of it away into your special fund.

If you use a top notch surgeon like Dr. Gary S. Berger of Chapel Hill Tubal Reversal Center, you will be able to create a payment plan with his office. This begins with an initial payment of $250 to open the account. After that, you send in payments of any amount you want or can as often as you would like. If you can, do it weekly. That gets the money out of your hands and into a special account where you can’t dip into it for the winter snow tires or whatever. Think of it as a special baby layaway plan.

One way to get a big chunk of money to add to your fund is to use your income tax refund. If you depend upon this alone, you could find it takes a few years to save up the money you need and things have a way of happening to make the money disappear. That’s where something like the payment plan mentioned last paragraph comes in handy. Send in the tax refund and it’s out of your hands and not so easy to spend.

When you begin thinking of funding for tubal reversal, the first thought is usually, “Will my health insurance pay for it?” This will vary from provider to provider and state to state. You can try reading through your insurance policy but may still not know the answer. Most often, insurance will not pay for it but some might pay for parts. Even calling your insurance company could get you the run around with one person saying yes and another saying no. If you do get a person on the other end of the phone saying yes then make darn sure you get that in writing before going in for surgery thinking it’s all covered. Be sure.

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.

Hopefully one of the above ideas will be the right funding for tubal reversal for you. Decide upon the one that best fits your lifestyle and situation. Only you know what is right for you.

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