There are many people looking for grants for tubal ligation reversal, which is basically a procedure to ‘undo’ the permanent tubal ligation birth control. There are many reasons why women want to regain their birthing capability. For example, the woman got a new partner or husband that want to have a child or a death of a child.
As one would have expected, the cost for the reversal surgery is very high, simply because it is a complex procedure and require a lot of skills and careful procedures. Some might think that they can get some kind of grant that can be used to cover a part of the total cost. Is it true? Does health insurance cover the procedure? This post will focus on answering that question.
Financial Assistance and Grants for Tubal Ligation Reversal
Before we go any further, let’s talk a bit more about the grant definition. A grant can be considered as free money, given by the government, nonprofit foundations, Private Corporation and other organization. There are various types of grants, both direct and indirect grant. The direct grant is available for individuals, and an indirect grant is usually provided by the Federal government to State governments and nonprofit organizations for various programs that support the grant’s goal. For example, the Federal Pell Grant is an education grant available for low-income student; while the Federal housing grant is available for community organizations that provide shelter for the homeless people. The Medicaid and Medicare can also be considered as an indirect grant because it provides free or low-cost health service for those in need.
Typically, the grant is given for those who are in need. That means most of the grant is available for people from a low-income household. How about the grant for tubal ligation reversal?
To our knowledge, there is no currently grant available for the procedure. There’s a common conception in the United States that believes that the reversal surgery for tubal ligation is purely elective. This means that the people can live even without the surgery. It is not a life-threatening condition so there are no grant programs from the government (as well as most non-profit organizations) available.
We also have a bad news for people who expect that the tubal ligation reversal will be covered by their health insurance plan. The same reasoning is applied in this case. Most (if not all) health insurance companies think that the procedure is purely elective, so they don’t cover it.
So what are your options?
First, we recommend asking your insurance company whether they can cover a part of the surgery (for anesthesia, for example). Some companies follow the ICD-9 system, which may allow you to have separate coverage. You can also try to get a loan from a bank or use your credit card, although we don’t recommend this method.
The best solution would be using the payment plan offered by the health clinic. Because there are not many people can pay tubal ligation reversal in one go, most clinic may offer the payment plan that is similar to savings. Just think as if you are opening a new saving account especially for the tubal ligation reversal. Depending on your ability to pay, the common waiting time is about two years.
I hope this information on grants for tubal ligation reversal help!