What Are Some Ways to Get Financial Help for Vasectomy Reversal?
Vasectomy is a simple operation and when done properly takes around 30 minutes. On the other hand, if you are thinking of having a vasectomy reversal, it is much more complex and expensive. The micro-surgical vasectomy reversal procedure takes about 2-4 hours, and can be followed by a couple of days stay overnight in hospital. A smooth $10,000 for the privilege of having your chances of creating a child restored again.
This is where you might be thinking subconsciously, “Boy, do I need money for vasectomy reversal.” Believe me, you are not the only one who is seeking financial help for vasectomy reversal. It is a lot to pay up front and financial assistance for vasectomy reversal is a tricky business.
Will My Insurance Cover Me?
Insurance companies aren’t the most helpful institutions in the world. Getting help for vasectomy reversal from them is no different.
As with tubal ligation, they will mostly view your original vasectomy as a voluntary choice or elective. Therefore as far as insurance and financial help for vasectomy reversal is concerned, their view is that you made your own bed and you have to lie in it. This is not helpful in this highly emotionally charged situation.
However if the reversal is for medical reasons, then with close cooperation of your primary care physician, you might be able to make a claim. You will have to check carefully.
Even if a specific medical reason for the surgery should fail you, you may find that financial help for vasectomy reversal can be had from your health insurance company for some parts of the whole. These could include the initial consultation and some of the lab testing you might need.
Again, you will have to work closely with your doctor’s staff to obtain specific codes and with your insurance company to get approval. If you do obtain the permission, be sure to get it in writing!
Credit Cards
This option is not for the fainthearted or the ill disciplined. Paying by a low fee credit card is a very risky option. Yes, this sort of financial aid for vasectomy reversal may seem like the answer, but be very careful.
Low fees are usually introductory so you better be pretty sure you can pay it off before the really painful interest rate kicks in. You definitely want to pay more than the monthly payment required as that will keep you on the hook paying gobs of interest for a very long time. Try to pay off the reversal surgery before adding anything else to the card as that is a sure way to have a never-ending payment.
Bank Loans
Getting a financial favor from a bank at the moment is tough enough. But getting bank help for a vasectomy reversal is going to be almost impossible. They are very stringent about what they will give help for.
Similar to a credit card, you need to make sure the interest is not too high, the payments are affordable, and that this type of financial help for vasectomy reversal is not going to drag on for years into the future. You could end up paying for it twice over if you are not careful.
To be honest, even if you get a signature loan, it is likely you will get stiffed. Loans for surgery are not common from banks, are given grudgingly even if you have good credit, and are usually at a much higher rate. You may find even a second on your home will not be approved for such a purpose.
To pursue this financial option for a vasectomy reversal operation, you will have to be diligent.
Medical Loans
Fortunately, it is a lot easier to get specialized medical loans from companies set up specifically for this purpose. This financial help for vasectomy reversal could work for you. Companies that are known to provide these services, include CareCredit, Reliance Medical Finance and Capital One Healthcare Finance.
To benefit from a medical loan, you have to make sure that the clinic in question is on the finance company’s list. Like with any loan, it will be based upon your credit rating and ability to pay.
Even if your credit is not the best, you may still be offered a loan, just with a much larger interest rate. As with bank loans, do not overstretch your finances to get this done.
Surgery Loans
These days some doctor’s offices actually can give you a personal loan to solve the financial problems for vasectomy reversal. This may be the best solution for some men. Obviously, do compare it against what is available elsewhere, as the fees and interest will be much higher by going though the clinic.
Payment Plans
On the other hand a lot of clinics and doctor’s offices will not carry out any procedures unless they have had full payment up front first. To resolve this, they may actually offer financial help for vasectomy reversal by operating a prepayment plan.
For this to work, you can put aside what you can afford each month out of your pay check until you have the right amount of money. But, it is easy to lose interest in the whole thing doing this, especially if all you can afford are low payments, or you are not disciplined enough to put the money aside.
One thing you can think about adding to your payment plan is any income tax refund amount you get. Likewise, should you be so lucky as to receive one, consider adding any work bonuses or overtime pay as well. These will help the fund build faster.
Conclusion
So as this financial guide for vasectomy reversal illustrates, financial help for vasectomy reversal, is hard to get. But there are some options if you shop around and have a good credit record.
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Why Go Through Sterilization Reversal?
First you need to understand that sterilization is done through a vasectomy for men or tubal ligation for women. This is done to prevent pregnancy from happening for whatever reason. A sterilization reversal, then, is either a reversal done by nature, so to speak, or the reversal procedure conducted by a doctor at the request of the person who underwent the original sterilization.
Marital Status Affects Sterilization Reversal
If someone has gone through the surgery required to prevent pregnancies, why would you want to go through a sterilization reversal surgery? For many people, the reason is as simple, or as difficult, as a change in marital status.
With the American divorce rate standing at 50%, it is quite likely that a person who has been through the vasectomy or tubal ligation will not be with the same partner a few years after the original surgery was conducted. Alternatively, one’s present spouse may die and, over time, the remaining partner could remarry. Of course, this change in partners may precipitate a desire for children.
Other Factors Affecting Why You Would Want a Sterilization Reversal
Additionally, there are other reasons one might want to undergo a sterilization reversal. As sad as it is to even think of it, there could be the death of a present child or children. The news seems all too full of such sad stories. .
A few other factors which might cause the thought of sterilization reversal have to do with a change in religious beliefs or trying to regain a sense of masculinity or fertility. Maybe there has been a change in opinions on the size of the family.
Believe it or not, conflict within the family could lead to this costly reversal surgery. For instance, in families where the partners were having substantial conflict prior to the male’s vasectomy, the wife was twenty-five times more likely to request a vasectomy reversal than those whose marriages did not have such “substantial conflict”. Researchers neglected to determine whether this substantial conflict had to do with the sterilization or not.
Just goes to show, you need to be sure you want the original surgery in the first place. Think long and hard about it. However, should you have gone through either procedure to become sterilized and then change your mind, a sterilization reversal, whether through a tubal reversal or vasectomy reversal, is a possibility.
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What Are the Chances of Pregnancy after Vasectomy Reversal?
So you’re looking into getting your vasectomy reversed. But you and your partner want to know what are the chances of a pregnancy after vasectomy reversal surgery is completed. On average, your chances are 50%. So it’s a roll of the dice.
However there are some factors which play into this roll of the dice in determining your pregnancy chances.
Factors Which Affect Chances of Pregnancy after Vasectomy Reversal – Time Is the First
First and foremost is the time since the original vasectomy operation was completed. If it’s been less than three years, almost every man can expect to have successful return of sperm flow and normal sperm count. Only three out of 100 will not. Furthermore, you will have a 75% chance of actually fathering a child.
The longer the time delay since the original procedure, the less likely there will be a successful return of a normal semen flow with an attendant pregnancy. The most quoted figure is that after 15 years there will only be a 72% chance for the semen flow and a pregnancy after vasectomy reversal will be 30%.
While age does not play as big a factor into pregnancy from a man’s viewpoint, it does still have a role. After 15 years, you are going to be older with lessening testosterone. See more about this below.
Additional Factors That Play into Pregnancy After Vasectomy Reversal
There are some other factors which can affect your chances of having a successful pregnancy after vasectomy reversal, besides the time period since the original vasectomy. These can include:
1. the skill of your doctor – how many reversals does he do in a year, how well trained is he at the form of surgery he uses (see 3. below),
2. complications since the original surgery – have there been any obstructions formed in or damage done to the epididymis (part of the male anatomy where sperm undergo some maturing) requiring a more extensive type of vasectomy reversal surgery called a vasoepididymostomy,
3. macroscopic vs. microscopic vasectomy reversal – for macroscopic surgery there is a shorter surgical time and it doesn’t cost as much but there is a bit of a lower success rate,
4. where the original vasectomy was performed – was it in a straight area of the vas deferentia, are the pieces left to be joined close in size (the vas deferens vary in size), how much of the tubes were removed (the longer the tube, the better the success rate), and
5. do you and your partner have previous children – one study showed pregnancy after vasectomy reversal was 80% in such couples whereas men who had a new partner only had a 17% chance of having a child.
Time Again in Pregnancy After Vasectomy Reversal
One further point that all these figures about the likelihood of pregnancy after vasectomy reversal seem to lack, with regards to the time since the vasectomy factor, is this. It is the simple fact that you and your spouse are older as well.
If it’s been less than three years, you’re most likely less than three years older yourself (easy enough to figure) and still quite vigorous (one would expect).
If it’s been 15 or more years, you are 15+ years older as well and so is your spouse (unless you have a new one and then she is generally close to your age). You are just up against the biological clock, especially in regards to your spouse. As it takes on average one year after the vasectomy reversal surgery, and can take 2-3 years before pregnancy happens, that biological time clock can be a big factor. Take that into account in making your decisions because there are no guarantees of a pregnancy after vasectomy reversal.
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