Vasectomy Reversal Financing Is What Almost Everyone Wants
You’ve looked around and have seen the high cost of reversing the vasectomy you had. Vasectomy reversal financial aid may very well be the next consideration once you have decided upon your surgeon.
Who to Check Out First for Vasectomy Reversal Financial Aid
Your first look for financial help for vasectomy reversal should be checking with your insurance company to see what and if they will pay for the reversal.
Although insurance companies may pay for the original vasectomy, when it comes to vasectomy reversal financing most companies consider reversing it elective surgery and will not pay for it. However you might find that they may pay for some of the testing or other portions. Since provisions within a health insurance plan varies from provider to provider and region to region, you will have to verify all this yourself.
Check with your selected doctor’s office and get the proper codes to verify just what your insurance company will pay for on your vasectomy reversal. If the person you speak to at your health insurance company says you are covered for the total procedure or even for parts of it such as the pre surgery testing, try very hard to get that in writing.
You just might find that your doctor will require written proof that your insurance company will pay for the surgery or testing or whatever before the surgery will take place should they actually cover it. This covers him from a bad debt should they have been mistaken or change their minds. It covers you too.
Additionally, you might even find that the surgeon will not take insurance and you have to pay for your vasectomy reversal up front. Be sure to discuss this matter with the doctor’s office staff.
NOTE: The one thing most visitors to this site seem to be interested in is some way to finance a tubal ligation reversal or a vasectomy reversal. As you can read in this article and elsewhere, one way to do this is by having an insurance provider provide you with appropriate health insurance.
You will find that your eligibility for coverage and the available policy types will vary depending upon the information you provide and possibly even where you live. You will need to have any questions answered directly by the health insurance carrier you choose. Using eHealthInsurance will allow you to request information on various insurance plans and carriers. You can even apply for health insurance plans on the site. Any questions you have should be discussed with the carrier during the approval process.
The variety of insurance carriers and policies available on eHealthInsurance
should provide excellent potential to fulfill your search for the proper health insurance carrier. Check out their FREE Health Insurance Price Comparisons for Individuals and Families today.(End Note)
Vasectomy Reversal Financing with Payment Plan
If insurance fails, you will find some vasectomy reversal practices will allow you to make payments ahead of the surgery till it is paid in full. You will not get the operation until is is completely paid for. These payment plans may be broken up into three or four payments.Better would be finding one that allows you to pay what you can when you can but there is a cost associated with recording and maintaining such a payment plan so don’t be surprised if your doctor doesn’t go for it.
Maybe not ideal as vasectomy reversal financing as it can still be tough to make those payments even with the overall fee broken up into chunks. Check with the doctor (his office) you have chosen to see if any payment plans are available. If you should change your mind about having the reversal done, there will usually be a portion of the fees you paid which will not be refunded.
Vasectomy Reversal Financial Aid through Credit Cards and Loans
Another possibility is using a zero percent introductory rate credit card offer such as we all receive in the mail almost continuously. Just understand that a credit card is a revolving charge account. You may very well pay much much more than the original surgery fee if it is not paid off soon.
Next possibility of vasectomy reversal financial aid is trying to get a loan. This would be best from your own personal bank or credit union. If you have collateral to use for such a loan, this might be the way you want to go.
Failing that, perhaps you can get a signature loan (a loan based on your good credit and using no collateral). When you list your reason for wanting this signature loan as being for a surgery, you may find problems obtaining it or get unfavorable rates.
However, there are some financial institutions which offer vasectomy reversal financial support in the form of medical loans. Four of these are Capital One Healthcare Finance, CareCredit, eMedical Financing Solutions, and Reliance Medical Finance. You will have to check with your doctor’s office on some of these to see if they are included in the program of these vasectomy reversal funding groups.
Now you have five ways to find some vasectomy reversal financial aid. Hopefully one of these ways will provide the vasectomy reversal financing help you need and, with a successful reversal, you will have a child in your future.
Further Note: I wrote several insurance companies for information of whether they supplied insurance for reversals. eHealthInsurance was the only one who answered my request for information by informing me that you will just have to talk to them and it will be on a case by case basis. Be aware that if you do fill out the information on that page linked above, I will receive a small amount of money.
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Can You Find a Low Cost Vasectomy Reversal?
Maybe you are one of the 4-6% of men who have had a vasectomy and now want to reverse that decision. You have been looking around and are in shock at the costs of the vasectomy reversal surgery. You just want to find a decent low cost vasectomy reversal. How do you do this?
Vasectomy reversals can range from about $4000 to $20,000. The average cost in the US is about $10,000. Ouch! As you may know, the chances of your insurance paying for this, what they consider elective surgery, are almost nil. You can read our article about vasectomy reversal financing but your biggest concern now is getting one for the least cost. After all, who wouldn’t want an affordable vasectomy reversal?
We are not going to try to fool you. Researching this topic, we found at least one urologist that was offering the surgery for $3750. What you need to understand is the cost you are quoted at such a low fee usually only includes the surgeon’s fee. There are at least two other fees you need to be concerned with as well. It will be up to you to be sure just what costs and fees are included with any low cost vasectomy reversal you find.
Be On the Look Out for Other Costs in a Low Cost Vasectomy Reversal
These two other fees are the anesthesiologist’s fee and the hospital fees.
There are ways to minimize these fees. You can have a regional anesthetic given as opposed to a general or light general anesthesia. You could have the procedure done in the doctor’s office using macroscopic techniques to lower the costs.
However, given the delicacy of this reversal procedure, you might want to think twice about being given so little anesthesia that you can still move around during the operation. The tubes within the vas deferentia that must be joined again are only 0.2mm in diameter. In other words, it’s very small. Do you want to move at the wrong time? You really need a surgeon who has been trained in microsurgery as this will be your best bet for a successful reversal.
Make sure you know all the hospital costs for your stay under any types of conditions. Be aware of your room costs, food costs and pain medications.
If you have this done on an out-patient basis but had to travel to your low cost doctor, add in your travel and hotel fees as well. And if the procedure is done at the doctor’s office, you might want to find out just what type of “office” he has. Does it include a state of the art surgical room with all the appropriate equipment or a just a table with a set of optical loupes (being a bit extreme here but trying to get a point across).
With the above information, do you really want the urologist doing the job to use some type of magnifying glasses (optical loupes)? Or would you rather have the vasectomy reversal done with a surgical microscope under controlled conditions? Those are some mighty small sutures the doctor needs to use to put things back together. However, your surgeon may be extremely skilled and experienced with a high rate of success using optical loupes. Know your surgeon’s vasectomy reversal success rate.
Yet More Factors to Consider When Looking at a Low Cost Vasectomy Reversal
Another factor which adds to the cost is the education and experience of the surgeon. The more skilled the physician, usually the more he will charge.
Now you can find some doctors who will advertise a very low cost vasectomy reversal, but you need to know why they can afford to offer such low prices.How do they offer what may seem like an affordable vasectomy reversal? Perhaps you have been lucky enough to find a clinic that specializes in vasectomy reversals and has been able to negotiate lower costs due to this specialization.
Lastly, you need to know what the cost will be in addition if the doctor finds during the surgery (which is usually when he discovers this need) that he must conduct a vas to epididymis procedure. Some include this in the quoted cost and some surgeons will add to the cost if this type of vasectomy reversal is required instead. This could take your potential low cost vasectomy reversal and make it much higher priced than you expected.
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Can You Find a Free Vasectomy Reversal?
You had a vasectomy. Now you’ve changed your mind and want a vasectomy reversal. You’ve looked around and are astounded at the prices quoted by urologists and infertility specialists. How can they charge so much? Where can you find a free vasectomy reversal?
If you are looking for a free vasectomy reversal you had better have some kind of connection to a doctor to obtain one. You can find free initial consultations and maybe even free second surgeries on a vasectomy reversal if the first operation doesn’t succeed.
But if you think some physician who has years of training is going to give away his work for free, think again.
Take a Look at a Free Vasectomy Reversal from the Doctor’s Viewpoint
Look at it this way. You work at a job and presumably have some skill that may have taken you years of schooling and on the job training to gain. If a person off the street asked you to perform work for them, in your field of expertise, for free, simply because you know how to do it, you would most likely say, “No.”
You use your skill and experience, which has been hard won, to create an income for you to pay for your family, your housing, your transportation, the food you put on the table, your bills, and any extras you may have such as cable television and an Internet connection.
Why then would you think an urologist or fertility specialist should give you a free vasectomy reversal?
Most physicians spend much more time in schooling than “regular folks” running up huge education bills. Then there is more training within their specialties and the follow on experience that must be gained by performing the operations. It takes your potential vasectomy reversal surgeon years to gain the skill to perform such delicate surgery. Why should he receive no pay for his work?
What If You Do Find a Free Vasectomy Reversal – What’s the Catch?
Even if you were so lucky as to get a surgeon to waive his own fees, you would still be left with the medical facility fees, initial blood work and testing fees (which just might be paid for by your insurance company), anesthesiologist’s fees if a general is used, and any nursing staff’s salaries.
So the chances that you could find someone to give you a free vasectomy reversal is slim to none.
If you do look around online you will find one such offer of a free vasectomy reversal…at least free of the surgeon’s fees. But in his own words,
This sort of offer is rather extraordinary… But in every case it was something I initiated, rather than something the patient asked for. So if you’re out there thinking, ‘Wow! Free reversal surgery!’ think, David Spade: ‘No!’
The only way you will get a free vasectomy reversal is having someone else pay all your fees. Have a rich uncle?
One Last Shot at a Free Vasectomy Reversal
Over the course of creating this website, I have found some sources that might, maybe, possibly (notice the real hesitation there?) allow you to get a free vasectomy reversal. Rather than rewrite all the information, please check out the article on getting a free tubal reversal.
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