Getting a funding for tubal reversal surgery can cause you some headache. There are many possible reasons for a woman that wants this procedure. Now I am sure that you already know the definition of tubal ligation. This procedure is often considered as a permanent birth control, since it would take a lot of effort from the medical team to reverse the process.
Due to its complexity, it is only natural that the cost of the tubal reversal surgery is high. That is exactly why you need to consider the cost and how to get a funding or financing for the procedure during the planning. You have to have a clear plan, because you don’t want the surgery leads to a financial disaster.
The estimated cost of tubal reversal surgery varies greatly, depending on some factors. The first factor is the reputation of the surgeon, type of hospital, the difficulty of procedure, and location. As expected, the more experienced the surgeon will increase the cost, as well as the difficult procedure and whether you have your surgery in city or not. As a general prediction, the common cost for this surgery is somewhere between $6,000 and $30,000. Pretty amazing right?
Funding for Tubal Reversal Surgery Options
Now how does one can get funding for tubal reversal surgery? We’ve compiled several options for you! Unfortunately, we are not able to find a grant that is aimed to cover the cost of the surgery. Grants are commonly provided for those in need, to cover the basic necessities, while the surgery is considered as an elective procedure.
Almost every insurance company doesn’t cover the cost of the surgery, because the surgery is considered as a purely elective procedure. You can, however, try to reduce the price by checking the codes for tubal reversal from the health care provider (usually there are different codes for each part of the procedure, such as anesthesia or medical tests). After you get the codes, call your insurance company and ask if they use the ICD-9 system, and will they cover the cost of the procedures in the codes.
Credit Cards and Loans
Another option is using your credit cards to cover the bills. However, we don’t recommend doing this because people tend to forget that the credit card is basically a loan with a high interest rate. The same goes to personal loan from financing companies, medical credit companies or banks. You have to be extra careful when you’re choosing the company. But, for Muslim people, insurance, credit card or loan and another financing options, there’s always have interest rate, and its not match with shariah system, so, be careful!
The most common solution used by most people is to use the payment plan, which is commonly provided by the clinics. Some clinics may set up the date of surgery that is suitable to your ability to pay the cost, and then ask you to pay some money as a down payment, and then you submit additional payments. After you have completed the payment, the procedure can be performed. It’s much like a saving account in your bank. This one, however, is better because the money in the bank is often used for your daily needs.
There you go, funding for tubal reversal surgery requires a lot of consideration, so choose wisely.
- Tubal Reversal Cost and Financing
- The Average Cost of a Tubal-Ligation Reversal
- Image : tubal-reversal.net